EFTA00271702

SUBS Statement Billing Period: Payment Due Date M:ii Payment Due 03/27/17 - 04/26/17 May 23, 2017 535.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of4 Customer News Primary Card Number Ending in: Questions? Call 1-800-762-1000 ubs.corefonineservices Pay Credit Card reminder Account Summary Activity Summary Do not mail payment. Your Minimum Payment Due $35.00 Previous Balance $300.00 I Statement Balance in the amount of $160.00 is scheduled to be paid on Credit Line $35,000.00 I + Purchases 4160.00 5/20/17 from your UBS Account. Available Credit Line Thank you. Cash Credit Line 414.000.00 Available Cash tine + Fees S0.00 Past Due Amount $0.00 + Interest $0.00 Statement Balance $160.00 Payment Information* Statement Balance $160.00 Minimum Payment Due $35.00 Payment Due Date 05/23/2017 late • t Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of 27.99%. 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 charge You will pay off the balan sing this card and each month shown on this statement i u_pay... about... Only the Minimum Payment 5 months $165 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dh.ny.gov Repayment information is based on your account activity and the APRs on your account as of the dosing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.comtonlineservices. Detach here. Please make checks payable to 'UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery. UBS BANK USA - CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 8160.00 COLUMBUS GA 31908.4040 Payment Due Date May 23, 2017 You are enrolled in Automated Pay Credit Card. Send payments to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 308 PO BOX 203219 TEANECK NJ 07666-0308 DALLAS TX 75320-3219 052317 7826000014012491 5 0000003500 5 EFTA00271702 leportat Info/metlea Lest or staged 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 6 unauthorized use that occurs after you notify us. You may, however, be (RMA6 or UBS Business Services Account BSA 6 liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call 1-800-762-1000. Payments made by 5:00 p.m. Eastern time will be Payee/at Information: Each billing cycle, you must pay at least the credited to your account same day. Phone payments made from your Minimum Payment Due shown on your monthly statement by its UBS account by 6:00 p.m. Eastern time are also credited same day. Payment Due Date. Both the Minimum Payment Due and Payment Due Application of any phone payment to your credit line may be delayed Date are noted on your statement. At any time you may pay more than for up to 7 days. 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 Overnight payments: Send overnight courier service or USPS Priority required Minimum Payment Due in any billing cycle or if you make more Mail payments to UBS Bank USA--Card Services, 2975 Regent than one payment in a billing cycle, you will still need to pay the next Boulevard, P.O. Box 203219, Irving, TX 75063. A payment received at month's required Minimum Payment Due by your next Payment Due 03000000 • 0367 this address by 5:00 p.m. Central time that othenvise meets the Date. Remember to make all checks payable to Card Services. Please requirements of a conforming payment will be credited to your account allow 7 days for the U.S. Postal Service to deliver your payment that same day. to us. Upon our receipt, your available credit may not be increased by the payment amount for up to 7 days to ensure Audassatic repayment of cash advances through CashConnect: the funds from the bank on which year payment is drawn are The CashConnect feature on your UBS credit card account will collected and not returned. When you provided : 1 :•., automatically repay new Cash Advances obtained from ATMs and on this Account, you authorize us to either use the ifilo,fration from financial institutions (CashConnect Cash Advances), each night, with your check to make a one-time electronic fund transfer from your available funds from your UBS Resource Management Account account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, (RMA4t) a your UBS Business Services Account BSA ®(either referred to funds may be withdrawn from your account as soon as the same day as your UBS Account). You will incur no interest charges on we receive your payment, and you will not receive your check back CashConnect Cash Advances, as long as there are sufficient available from your financial institution. For inquiries please call 1-800-762-1000. funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. Mad monists: A conforming payment received by us by 5:00 If sufficient available funds are not available in your UBS Account to pay p.m. Central time will be credited to your account the day of receipt. A off your CashConnect Cash Advances balance in full, then the APR for "conforming payment" is a payment that 1) is mailed using the Cash Advances will apply as of the original transaction date on any enclosed envelope and payment coupon included with this statement to remaining balance. You will be charged the APR on Cash Advances on UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 your remaining CashConnect Cash Advance balance until it is repaid in and 2) is in the form of a single, non-folded check or money order made full. Applicable ATM surcharge fees may apply. No other account payable in US dollars from a US based institution. Any payment that balances are paid through the CashConnect feature. If you choose not does not meet these requirements, or any payment with multiple checks to participate in the CashConnect feature, please contact UBS at or money orders, additional correspondence, staples, paperclips, etc. 1-800-762-1000. Available only for cardholders with a UBS Resource will be considered a "non-conforming payment" which may delay the Management Account or UBS Business Services Account BSA. crediting of the payment for up to 5 days. We can accept late payments, partial payments, checks and money orders marked "Paid in Accrual of interest and how to avoid paying interest on Full" or language having the same effect without losing any of our purchases. rights under this Agreement, and such payments may be sent to the Your due Date IS at least 23 days alter the close of each billing cycle. On following address: UBS Bank USA—Card Services, P.O. Box 203219, Purchases, interest begins to accrue as of the transaction date. Dallas, TX 75320-3210. However, if you paid the Statement Balance that was shown on your previous billing statement by the Payment Due Date on that statement, Mbar papsent opens: then (I) we will not impose interest on Purchases during your current Online: Visit ubs.comIonlineservices to sign up for Pay Credit Card to Continued on back of next page EFTA00271703 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 6.328 Points earned this petiod 160 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6.488 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHINAINE MAXWELL - Card ending n - Date Desoip6cn Amount Payments 04/20 PAYMENT THANK YOU 4300.00 Total Payments Activity -5300.00 Purchases 03/31 NATIONAL REGISTRY EMT 614-888-44840H $15.00 04/03 ZOE HAIR LLC BOSTON MA 535.00 04/11 PINCKNEY NAILS SKIN SALONBOSTON MA $75.00 04/14 PINCKNEY NAILS SKIN SALONBOSTON MA 535.00 TotalPurchases_Activity $160.00 2017 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 50.00 13.99% (v) $0.00 BALANCE TRANSFERS $0.00 13.99% (v) $0.00 CASH ADVANCES $0.00 22.74% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate Customer Notifications Access cash at ATMs and banks all over the world With your UBS Visa Signature credit card. For domestic transactions, receive ATM fee rebates. up to $3 per transaction, for an unlimited number of transactions. EFTA00271704 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us thu • rig information: statement by the Payment Due Date in the current billing period, and • Account Information: Your name and account number. (2) vm 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 . v:iat you bel.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 In bonging. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the 8 payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you • We cannot try to collect the amount in question, or report you as 8 take the Cash Advance. delinquent on that amount. • The charge in question may remain on your statement, and we How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (inciudny 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 0 Purchases, Balance Transfers and iii) Cash Advances. The daily balances foe Vs rights if you are dissatisfied with yes credit card Purchases, for Balance Transfers and for Cash Advances are each purcluses 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 In 'nicking 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 Vaal to do If you title you flood • 'mistake Si, yaw statement pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 422011 UBS Bank USA EFTA00271705 SUBS Statement Billing Period Payment Due Date Minimum Payment Due 02/27/17-03/26/17 April 23, 2017 636.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Pagel of 4 Customer News Primary Card Number Ending in= Questions? Call 1-800-762-1000 ubs.com/onbnesenfices Pay Credit Card reminder Account Summary Activity Summary Do not mail payment. Your Minimum Payment Due $35.00 Previous Balance 1.236.40 Statement Balance in the amount of Payment Due Date a.. $300.00 is scheduled to be paid on Credit Line $35,000.00 + Purchases $300.00 4/20/17 from your UBS Account. Available Credit L erCteditn. $0.00 Thank you. Cash Credit Line $14,000.00 + Cash Advances $0.00 Available Cash Lin + Fees $0.00 Shop for your gift -giving needs, and Past Due Amount $0.00 + Interest use your points to do it, on the My Oyerlimit Amount $0.00 `Statement Balance $300.00 Choice Rewards website. Find gift cards for fine dining and premium Payment Information* retail, browse the latest in trendy Statement Balance $300.00 goods and gadgets, book your Minimum Payment Due $35.00 summer travel or redeem for a Payment Due Date 04/23/2017 statement credit at Late Payment Warning: If we do not receive your minimum payment by the date listed above, you ubs.com/onlineservices. may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.74%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You will pay off the balance And you will end up paying the sing this card and each month shown on this statement in estimated total of... u pay about... Only the Minimum Payment 10 months $317 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1-800-762- I 000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dh.ny.gov Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.conVonlineservices. Detach here. Please make checks payable to •UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U S. Postal Service delivery. UBS BANK USA • CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance 435.00 $300.00 COLUMBUS GA 31908.4040 Payment Due Date April 23, 2017 You are enrolled in Automated Pay Credit Card. Send payments to: GHISLAINE MAXWELL UBS BANK USA • CARD SERVICES PO BOX 308 PO BOX 203219 TEANECK NJ 07666-0308 DALLAS DC 75320-3219 042317 7626000014012491 5 0000003500 5 EFTA00271706 Important Information Lester 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 6 unauthorized use that occurs after you notify us. You may, however, be (RMA6 or UBS Business Services Account BSA liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call 1-800-762-1000. Payments made by 5:00 p.m. Eastern time will be Payment htforniMien: Each billing cycle, you must pay at least the credited to your account same day. Phone payments made from your Minimum Payment Due shown on your monthly statement by its UBS account by 6:00 p.m. Eastern time are also credited same day. Payment Due Date. Both the Minimum Payment Due and Payment Due Application of any phone payment to your credit line may be delayed Date are noted on your statement. At any time you may pay more than for up to 7 days. 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 Overnight payments: Send overnight courier service a USPS Priority required Minimum Payment Due in any billing cycle or if you make more Mail payments to UBS Bank USA--Card Services, 2975 Regent than one payment in a billing cycle, you will still need to pay the next Boulevard, P.O. Box 203219, Irving, TX 75063. A payment received at month's required Minimum Payment Due by your next Payment Due Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that othenvise meets the z requirements of a conforming payment will be credited to your account allow 7 days for the U.S. Postal Service to deliver your payment that same day. to us. Upon our receipt, your available credit may not be 8 increased by the payment amount for up to 7 days to ensure Automatic repayment of cash advances through CashConnect: the funds from the bank on which yes payment is drawn are The CashConnect feature on your UBS credit card account will collected and not returned. When you provide a check cr: automatically repay new Cash Advances obtained from ATMs and on this Account, you authorize us to either use the information lion) financial institutions (CashConnect Cash Advances), each night, with your check to make a one-time electronic fund transfer from your available funds from your UBS Resource Management Account account a to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, (RMA4t) a your UBS Business Services Account BSA ®(either referred to funds may be withdrawn from your account as soon as the same day as your UBS Account). You will incur no interest charges on we receive your payment, and you will not receive your check back CashConnect Cash Advances, as long as there are sufficient available from your financial institution. For inquiries please call 1-800-762-1000. funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. Melted pownents: A conforming payment received by us by 5:00 If sufficient available funds are not available in your UBS Account to pay p.m. Central time will be credited to your account the day of receipt. A off your CashConnect Cash Advances balance in full, then the APR for "conforming payment" is a payment that 1) is mailed using the Cash Advances will apply as of the original transaction date on any enclosed envelope and payment coupon included with this statement to remaining balance. You will be charged the APR on Cash Advances on UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 your remaining CashConnect Cash Advance balance until it is repaid in and 2) is in the form of a single, non-folded check or money order made full. Applicable ATM surcharge fees may apply. No other account payable in US dollars from a US based institution. Any payment that balances are paid through the CashConnect feature. If you choose not does not meet these requirements, or any payment with multiple checks to participate in the CashConnect feature, please contact UBS at or money orders, additional correspondence, staples, paperclips, etc. 1-800-762-1000. Available only for cardholders with a UBS Resource will be considered a "non-conforming payment" which may delay the Management Account or UBS Business Seivkes Account BSA. crediting of the payment for up to 5 days. We can accept late payments, partial payments, checks and money orders masked "Paid in Accrual of interest and how to avoid paying interest on Full" or language having the same effect without losing any of our purchases. rights under this Agreement, and such payments may be sent to the Your due Date is at least 23 days alter the close of each billing cycle. On following address: UBS Bank USA—Card Services, P.O. Box 203219, Purchases, interest begins to accrue as of the transaction date. Dallas, TX 75320-3210. However, if you paid the Statement Balance that was shown on your previous billing statement by the Payment Due Date on that statement, Mbar payment options: then (I) we will not impose interest on Purchases during your current Online: Visit ubs.comIonlineservices to sign up for Pay Credit Card to Continued on back of next page EFTA00271707 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 6,028 Points earned this petiod 300 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6.328 • 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 03/20 PAYMENT THANK YOU 4236.40 Total Payments Activity 4236.40 Purchases 03/08 LAUREN'S NAILS BOSTON MA $94.00 03/09 JENNIFER'S NAILS AND BOSTON MA $35.00 03/09 ZOE HAIR LLC BOSTON MA $59.00 03/16 PINCKNEY NAILS SKIN SALONBOSTON MA $42.00 03/20 ESPA CORP NEW YORK NY $70.00 Total Purchases Activity 5300.00 2017 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation - 28 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $0.03 13.74% (v) $ow BALANCE TRANSFERS $0.00 13.74% (v) $0.00 CASH ADVANCES $0.00 22.49% (v) So.00 it-i• I I Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271708 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:nbe . v:lat you bel.‘Ne 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 residnee. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance Transfer to the you may have to pay the amount in question. While we investigate whether or not there has been an error, the a8 payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you • We cannot try to collect the amount in question, or report you as 8 take the Cash Advance. delinquent on that amount. • The charge in question may remain on your statement, and we How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (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 8 8 we first calculate the "Balance Subject to Interest Rate" separately for amount. 8 Purchases, for Balance Transfers, and for Cash Advances. We apply the • While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the DPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement dmded by • We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for 4 Purchases, Balance Transfers and iii) Cash Advances. The daily balances foe Vs 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 wirking 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 think you find a mistake on yaw stetson! 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 e2011 UBS Bank USA EFTA00271709 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 01/27/17 - 02/26/17 March 23, 2017 535.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of 4 Customer News Primary Card Number Ending in:M Questions? Call 1-800-762-1000 ubs.corn/onineservices UBS Visa Signature credit card clients have access to a range of Account Summary Activity Summary roadside services and towing Minimum Payment Due $35.00 Previous Balance 481.72 assistance. including the following Paymen ue iai roadside emergencies (up to $50 C 'eril Line $35,000.00 per event): Available Credit Line Flat tires C all. Credit Line $14,000.00 Dead batteries I Available Cash Line 4. Fees Mechanical breakdowns Past Due Amount 50.00 Running out of gas Overlimit Amount S0.00 `Statement Balance $236.40 Lockouts All benefits are subject to limitations. Payment Information* Please see the Terms and Statement Balance $236.40 Conditions available at Minimum Payment Due $35.00 ubs.com/uscards for more details. Payment Due Date 03/23/2017 late • t Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to 535.00 and your APRs may be increased to the Penalty APR of Pay Credit Card reminder 27.74%. Do not mail payment. Your 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. Statement Balance in the amount of For Instance 5236.40 is scheduled to be paid on If you make no additional charges You will pay off the baler 3/20/17 from your UBS Account. sing this card and each month shown on this statement i Thank you. u pay about... Only the Minimum Payment 8 months $247 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dfs.ny.gov Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.com/onlineservices. Detach here. Please make checks payable to •UBS Card 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 $236.40 COLUMBUS GA 31908.4040 Payment Due Date March 23, 2017 You are enrolled in Automated Pay Credit Card. Send paym anis to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 308 PO BOX 203219 TEANECK NJ 07666-0308 DALLAS TX 75320-3219 032317 7826000014012491 5 0000003500 5 EFTA00271710 Importent Information 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 6 unauthorized use that occurs after you notify us. You may, however, be (RMA6 or UBS Business Services Account BSA liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call 1-800-762-1000. Payments made by 5:00 p.m. Eastern time will be Payment Information: Each billing cycle, you must pay at least the credited to your account same day. Phone payments made from your Minimum Payment Due shown on your monthly statement by its UBS account by 6:00 p.m. Eastern time are also credited same day. Payment Due Date. Both the Minimum Payment Due and Payment Due Application of any phone payment to your credit line may be delayed Date are noted on your statement. At any time you may pay more than for up to 7 days. 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 8 Overnight payments: Send overnight courier service or USPS Priority required Minimum Payment Due in any billing cycle or if you make more Mail payments to UBS Bank USA--Card Services, 2975 Regent than one payment in a billing cycle, you will still need to pay the next Boulevard, P.O. Box 203219, Irving, TX 75063. A payment received at month's required Minimum Payment Due by your next Payment Due this address by 5:00 p.m. Central time that othenese meets the Date. Remember to make all checks payable to Card Services. Please requirements of a conforming payment will be credited to your account allow 7 days for the U.S. Postal Servke to deliver your payment that same day. to us. Upon our receipt, your available credit may not be increased by the payment amount for up to 7 days to ensure A.t.eadc repayment of cash advances through CashConnect: the funds from the bank on which year payment Is drawn are The CashConnect feature on your UBS credit card account will collected and not returned. When you provide a check cr, automatically repay new Cash Advances obtained from ATMs and on this Account, you authorize us to either use the information Will) financial institutions (CashConnect Cash Advances), each night, with your check to make a one-time electronic fund transfer from your available funds from your UBS Resource Management Account account a to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, (RMA4t) or your UBS Business Services Account BSA ®(either referred to funds may be withdrawn from your account as soon as the same day as your UBS Account). You will incur no interest charges on we receive your payment, and you will not receive your check back CashConnect Cash Advances, as long as there are sufficient available from your financial institution. For inquiries please call 1-800-762-1000. funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. Moiled pmenents: A conforming payment received by us by 5:00 If sufficient available funds are not available in your UBS Account to pay p.m. Central time will be credited to your account the day of receipt. A off your CashConnect Cash Advances balance in full, then the APR for "conforming payment" is a payment that 1) is mailed using the Cash Advances will apply as of the original transaction date on any enclosed envelope and payment coupon included with this statement to remaining balance. You will be charged the APR on Cash Advances on UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 your remaining CashConnect Cash Advance balance until it is repaid in and 2) is in the form of a single, non-folded check or money order made full. Applicable ATM surcharge fees may apply. No other account payable in US dollars from a US based institution. Any payment that balances are paid through the CashConnect feature. If you choose not does not meet these requirements, or any payment with multiple checks to participate in the CashConnect feature, please contact UBS at or money orders, additional correspondence, staples, paperclips, etc. 1-800-762-1000. Available only for cardholders with a UBS Resource will be considered a "non-conforming payment" which may delay the Management Account or UBS Business Services Account BSA. crediting of the payment for up to 5 days. We can accept late payments, partial payments, checks and money orders masked "Paid in Accrual of interest and how to avoid paying interest on Full" or language having the same effect without losing any of our purchases. rights under this Agreement, and such payments may be sent to the Your due pate is at least 23 days alter the close of each billing cycle. On following address: UBS Bank USA—Card Services, P.O. Box 203219, Purchases, interest begins to accrue as of the transaction date. Dallas, TX 75320-3210. However, if you paid the Statement Balance that was shown on your previous billing statement by the Payment Due Date on that statement, Other payment options: then (I) we will not impose interest on Purchases during your current Online: Visit ubs.comlonitneseneces to sign up for Pay Credit Card to Continued on back of next page EFTA00271711 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 5,791 Points earned this petiod 237 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6,028 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHIStAINE MAXWELL - Card ending n■ Date Desoiptial Anxunt Payments 02/17 PAYMENT THANK YOU -581.72 Total Payments Activity -581.72 Purchases 01/27 LAURENS NAILS BOSTON MA 513.00 02/03 ESPA CORP NEW YORK NY 537.00 02/07 NYC-TAN WOODSIDE NY 57.90 02/07 FOUR SEASON BEAUTY BM INNEW YORK NY $4200 02/09 FOUR SEASON BEAUTY BM INNEW YORK NY $6200 02/18 NY DIVA NAILS NEW YORK NY $7450 Total Purchases Activity 5236.40 L 2017 Totals Year-to-Date Summary of Fees and intear Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 40.00 13.74% (v) $0.00 BALANCE TRANSFERS $0.00 1334% (v) $0.00 CASH ADVANCES $0.00 22.49% (v) Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271712 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 weridnig. 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 fa Vs rights if you are dissatisfied with your credk card Purchases, for Balance Transfers and for Cash Advances are each purdses 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 Oredk 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 mekIng 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 Wbat to do If you think you fled • mistake on yer after ant 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 EFTA00271713 SUBS Statement Billing Period: Paynvent Due Date Minimum Payment Due 12/27/16 - 01/26/17 February 23, 2017 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.corn/onaneservices An annual summary Account Summary Activity Summary statement which includes all Minimum Payment Due $35 Previous Balance $135.50 of your credit card account Payment Due Date 02/23/17 - Pa•yments C t Line $35,000.00 481.72 I activity from 2016 is available Available Credit Line $34,918.28 online. To view the statement Lash Credit Line $14,000.00 logon to your UBS Online Available Cash Line $14,000.00 Services account. Past Due Amount $0.00 Overlimit Amount a $0.00 Statement Balance Payment Information* Statement Balance 481.72 Minimum Payment Due $35.00 Pay Credit Card reminder Payment Due Date 02/23/2017 Do not mail payment. Your Statement Balance in the amount of Late Payment Warning: If we do not receive your minimum payment by the date listed above, you $81.72 is scheduled to be paid on may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of 2/20/17 from your UBS Account. 27.74%. Thank you. 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 dng this card and each month shown on this statement i u pay about... Only the Minimum Payment 3 months $83 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is I-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dh.ny.gov Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.com/onlineservices. Detach here. Please make checks payable to 'UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 10 business days for U.S. Postal Service delivery. UBS BANK USA - CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 $81.72 COLUMBUS GA 31908.4040 Payment Due Date February 23, 2017 You are enrolled in Automated Pay Credit Card. Send payments to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 308 PO BOX 203219 TEANECK NJ 07666-0308 DALLAS TX 75320-3219 022317 7826000014012491 5 0000003500 5 EFTA00271714 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 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 0 Overnight payments: Send overnight courier service or USPS Prionty 8 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 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 EFTA00271715 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 5,709 Points earned this period 82 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 5,791 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card en&rg Date Desoipticn Amount Payments 01/20 PAYMENT THANK YOU -$135.50 Total Payments Activity -S135.S0 Purchases 12/27 PINCKNEY NAILS SKIN SALONBOSTON MA $43.00 01/10 SQ *CLOVER FOOD LAB Boston MA $38.72 Total Purchases Activity S81.72 Mr 2017 Totals Year-to-Date Summary of Fees and Int Total Fees r_ r(ir yet: r 2011 $0.00 Total Interest Charged In 2017 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $0.00 13.74% (v) Sow BALANCE TRANSFERS $0.00 13.74% (v) $0.00 CASH ADVANCES $0.00 22.49% (0 $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271716 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 werithill. 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 A 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 fa Vs rights if you are dissatisfied with yes credk 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 Oredk bureau rests 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 %%eking 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 sir 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 Dmson 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 EFTA00271717 SUBS 1 Statement Billing Period: 11/27/16 - 12/26/16 Payment Due Date January 23, 2017 Minimum Payment Due S35.00 UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Page 1 of 4 Customer News Primary Card Number Endmg in:■ Questions? Call 1-800-762-1000 ubs.cornionlnesenrices Pay Credit Card reminder Account Summary Activity Summary Do not mail payment. Your Isiirehutr, Payment Due S35.00 Previous Balance so.00 Statement Balance in the amount of Payment Due rarlin $135.50 is scheduled to be paid on C tetht Line 535,000.00 I 1/20/17 from your UBS Account. Available Credit Line $34,86411. Thank you. Cash Credit Line $14.000.00 [Available Cash Line $14,00(4111 + Fees $0.00 Past Due Amount 50.00 + Interest Make life easier while earning Overlimit Amount AIM $0.00 `Statement Balance S135.50 rewards: Set up your recurring monthly bills Payment Information* for automatic payment with your Statement Balance $135.50 UBS Visa Signature credit card. Not Minimum Payment Due $35.00 only will you earn rewards for each Payment Due Date 01/23/2017 dollar spent, you'll have the convenience of writing fewer checks late • t Warning: If we do not receive your minimum payment by the date listed above, you since your payments are may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of automatically made with your card. 27.49%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more Simply contact your providers to get in interest and it will take you longer to pay off your balance. started. 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 4 months $139 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 actvity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.conVonlineservices. Detach here. Please make checks payab'e 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 $135.50 COLUMBUS GA 31908.4040 Payment Due Date January 23, 2017 You are enrolled in Automated Pay Credit Card. Send paym ants to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 308 PO BOX 203219 TEANECK NJ 07666-0308 DALLAS TX 75320-3219 012317 7826000014012491 5 0000003500 5 EFTA00271718 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 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 0 Overnight payments: Send overnight courier service or USPS Prionty 8 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 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 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 EFTA00271719 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 5,573 Points earned this petiod 136 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 5.709 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHISLAINE MAXWELL - Card ending in Date Description Amount Purchases 11/28 PINCKNEY NAILS SKIN SALONBOSTON MA $43.00 12112 ESPA CORP NEW YORK NY $92.50 Total Purchases Activity 5135.50 2016 Totals Yeanto•Date Summary of Fees and Interest I Total Fees Charged in 2016 $0.00 Total Interest Charged in 2016 $292.15 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest IMerest Rata RATE (APR) Charge PURCHASES $0.00 13.49% (v) $0.00 BALANCE TRANSFERS $0.00 13.49% (v) $0.00 CASH ADVANCES $0.00 22.24% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271720 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us thu • rig information: statement by the Payment Due Date in the current billing period, and • Account Information: Your name and account number. (2) vm 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 . v:iat you bel.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 In bonging. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the 8 payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you • We cannot try to collect the amount in question, or report you as 8 take the Cash Advance. delinquent on that amount. • The charge in question may remain on your statement, and we S 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' (inciudny 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 0 Purchases, Balance Transfers and iii) Cash Advances. The daily balances foe Vs rights if you are dissatisfied with yes credit card Purchases, for Balance Transfers and for Cash Advances are each purcluses 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 In 'nicking 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 Vaal to do If you title you flood • 'mistake Si, yaw statement pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 422011 UBS Bank USA EFTA00271721 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 10/27/16 -11/26/16 December 23, 2016 S0.00 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/onaneservices Pay Credit Card reminder Account Summary Activity Summary Do not mail payment. Your Minimum Payment Due $0.00 Previous Balance 563.00 I Statement Balance in the amount of Pa men $0.00 is scheduled to be paid on C..ed t Line $35,000.00 10.00 12/20/16 from your UBS Account. Available Credit Line ‘ r S35,001. Thank you. Cash Credit Line $14,000.00 Available Cash Line $14,00C411 $0.00 Shop for your holiday gift-giving Past Due Amount 50.00 + intense $0.001 needs, and use your points to do it, Overlimit Amount $0.00 Statement Balance $0.00 on the newly redesigned My Choice Rewards web site. Find gift cards Payment Information* for fine dining and premium retail, Statement Balance 10.00 browse the latest in luxury goods Minimum Payment Due 10.00 and trendy gadgets, book your Payment Due Date 12/23/2016 holiday travel at ubs.comionlineservices or buy what late • t Warning: If we do not receive your minimum payment by the date listed above, you you want and redeem for a may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of statement credit. Just log into your 27.49%. Minimum Payment Warning: Your account currently has no balance and no minimum payment is due Online Services at ubs.com and at this time. click "View Rewards" on the Cash The phone number for UBS Bank USA is 1-800-762-1000. New York residents may contact the New York state Management tab. 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 informatico is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.conVonlineservices. Detach here. Please make cs payable to UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery. UBS BANK USA - CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $0.00 $0.00 COLUMBUS GA 31908.4040 Payment Due Date December 23, 2016 You are enrolled in Automated Pay Credit Card. Send paym ents to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 308 PO BOX 203219 TEANECK NJ 07666-0308 DALLAS TX 75320-3219 122316 7826000014012491 5 0000000000 5 EFTA00271722 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 to your credit line may be delayed. you cannot "pay ahead". This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next Overnight payments: Send overnight courier service 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 yew payment Is drawn are Athernath 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 protheses. 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 EFTA00271723 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 5,573 Points earned this petiod 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 5.573 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHISLA1NE MAXWELL - Card ending iriM Date Desaipaa Arroura Payment 11/18 PAYMENT THANK YOU -563.03 Total Payment Activity -$63.00 2016 Totals Year-to-Date Summary of Fees and Interest Total Fees Charger., in 2016 $0.00 Total Interest Charged in 2016 5292.15 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 13.49% (v) $0.00 BALANCE TRANSFERS $0.00 13.49% (v) $0.00 CASH ADVANCES $0.00 22.24% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271724 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: • .: dr amount of the suspected error. day in your current billing penod if you make a payment by the Payment • Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement ces;: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 smiling. 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 flew 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 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, 6) Balance Transfers and iii) Cash Advances. The daily balances for Vs skeins if you are dissatisfied with your credit card Purchases, for Balance Transfers and for Cash Advances are each purdoases 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 mirkIng 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 la nk you flood a 'mistake on your ststooment pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmsion Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 C2011 UBS Bank USA EFTA00271725