b'UBS VISA INFINITE CREDIT CARD ACCOUNT\nSUMMARY TABLE\nInterest Rates and Interest Changes\nAnnual Percentage Rate\n(APR) for Purchases\n\n15.24%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0% introductory APR for twelve billing cycles for balance transfers within 90\ndays of account opening\nAfter that, your APR will be 15.24%. This APR will vary with the\nmarket based on the Prime Rate.\n\nAPR for Cash Advances\n\n22.24%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it\nApplies\n\n29.24%\nThis APR may be applied to your account if you:\n1) Make a late payment; or\n2) Make a payment that is returned.\nThis APR will vary with the market based on the Prime Rate.\nMaximum APR 29.99%\nHow Long Will the Penalty APR Apply? If your APRs are\nincreased for any of these reasons, the Penalty APR may apply to your\nbalances indefinitely.\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle. We\nwill not charge you interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\nFor residents of Iowa and Puerto Rico\nYour due date is at least 23 days after the close of each billing cycle. We\nwill not charge you interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash\nadvances and balance transfers on the posting date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat consumerfinance.gov/learnmore.\n\n1\n\n\x0cFees\nAnnual Fee\n\n$495\n\nTransaction Fees:\n\xef\x82\xb7\n\nBalance Transfer\n\n\xef\x82\xb7\n\nCash Advance\n\n\xef\x82\xb7\n\nForeign Transaction\n\nEither $2 - $10 or 2% - 3% of the amount of each transfer, whichever\nis greater\nEither $2 - $10 or 2% - 3% of the amount of each cash advance,\nwhichever is greater.\n\n0% or waived\n\nPenalty Fees:\n\xef\x82\xb7\n\nLate Payment\n\nUp to $38\n\n\xef\x82\xb7\n\nOver-the-Credit-Line\n\n$0\n\n\xef\x82\xb7\n\nReturned Payment\n\nUp to $38\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance (including new\npurchases)\xe2\x80\x9d. See the Cardmember Agreement for more details.\nLoss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you\nmake a late payment.\nBilling Error Rights: Information on your rights to dispute transactions and how to exercise those\nrights is provided in your Cardmember Agreement.\nVariable Rate Information: The standard Annual Percentage Rates (APRs) on your Account that\nare used to determine the amount of interest to be charged for Purchases, Balance Transfers (after\nthe Introductory Period), Cash Advances, and the Penalty APR are variable rates. Introductory APR is\navailable on all Balance Transfers made during the first 90 days after account opening. The\nintroductory APR will be applied to each eligible Balance Transfer for the first twelve billing cycles\nafter the date of the Balance Transfer.\nThe APRs on your Account correspond to Daily Periodic Rates (DPRs) and are calculated by\nmultiplying the applicable DPR by 365. The DPRs on your Account equal 1/365th of the sum of 1)\nthe applicable Prime Rate, 2) plus 11.99% for Purchases, plus 11.99% for Balance Transfers, plus\n18.99% for Cash Advances; and plus up to 25.99% for the Penalty APR (maximum penalty APR\n29.99%). The \xe2\x80\x9cPrime Rate\xe2\x80\x9d used in determining the APRs in each billing cycle will be the highest\nU.S. Prime Rate published in the Money Rates column of The Wall Street Journal on the last business\nday of each month. An increase or decrease in the Prime Rate will cause a corresponding increase or\ndecrease to your variable rates on the first day of the billing cycle that begins in the same month in\nwhich the applicable Prime Rate is published. There is no limitation on the amount of any increase.\nAny such increase or decrease will cause a corresponding increase or decrease in the amount of\ninterest assessed and possibly in the amount of the Minimum Payment Due. If The Wall Street\nJournal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate,\nwe may substitute another index.\n\n2\n\n\x0cThe current rates on your Account. The rates on your account vary with the market based on the\nPrime Rate. The following rates are accurate as of April 2020. The DPR for your Introductory Rate\nduring the introductory period would have been 0.0000% (which corresponds to an introductory\nAPR of 0.00%). The DPR for Purchases would have been 0.0418% (which corresponds to an APR of\n15.24%). The DPR for Balance Transfers would have been 0.0418% (which corresponds to an APR\nof 15.24%). The DPR for Cash Advances would have been 0.0609% (which corresponds to an APR\nof 22.24%). The Penalty APR established by the variable rate formula above would have been a DPR\nof up to 0.0801% (which corresponds to an APR of up to 29.24%). Maximum Penalty APR is\n29.99% (daily periodic rate 0.0822%)\nFor residents of Iowa and Puerto Rico\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including\nnew purchases)\xe2\x80\x9d. See the Cardmember Agreement for more details.\nLoss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you\nmake a late payment.\nBilling Error Rights: Information on your rights to dispute transactions and how to exercise those\nrights is provided in your Cardmember Agreement.\nVariable Rate Information: The standard Annual Percentage Rates (APRs) on your Account that are\nused to determine the amount of interest to be charged for Purchases, Balance Transfers (after the\nIntroductory Period), Cash Advances, and the Penalty APR are variable rates. Introductory APR is\navailable on all Balance Transfers made during the first 90 days after account opening. The\nintroductory APR will be applied to each eligible Balance Transfer for the first twelve billing cycles\nafter the date of the Balance Transfer.\nThe APRs on your Account correspond to Monthly Periodic Rates (MPR) and are calculated by\nmultiplying the applicable MPR by 12. The MPRs on your Account equal 1/12th of the sum of 1) the\napplicable Prime Rate, 2) plus 11.99% for Purchases, plus 11.99% for Balance Transfers, plus\n18.99% for Cash Advances; and plus up to 25.99% for the Penalty APR (maximum penalty APR\n29.99%). The \xe2\x80\x9cPrime Rate\xe2\x80\x9d used in determining the APRs in each billing cycle will be the highest\nrate published in the Money Rates column of The Wall Street Journal on the last business day of\neach month. An increase or decrease in the Prime Rate will cause a corresponding increase or\ndecrease to your variable rates on the first day of the billing cycle that begins in the same month in\nwhich the applicable Prime Rate is published. There is no limitation on the amount of any increase.\nAny such increase or decrease will cause a corresponding increase or decrease in the amount of\ninterest assessed and possibly in the amount of the Minimum Payment Due. If The Wall Street\nJournal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate,\nwe may substitute another index.\nThe current rates on your Account: The rates on your account vary with the market based on the\nPrime Rate. The following rates are accurate as of April 2020. The MPR for your Introductory Rate\nduring the introductory period would have been 0.0000% (which corresponds to an introductory\nAPR of 0.00%). The MPR for Purchases would have been 1.2700% (which corresponds to an APR of\n15.24%). The MPR for Balance Transfers would have been 1.2700% (which corresponds to an APR\nof 15.24%). The MPR for Cash Advances would have been 1.8533% (which corresponds to an APR\nof 22.24%). The Penalty APR established by the variable rate formula above would have been a MPR\nof up to 2.4367% (which corresponds to an APR of up to 29.24%). Maximum Penalty APR is 29.99%\n(MPR 2.4992%)\n\n3\n\n\x0cCARDMEMBER AGREEMENT\nYour Cardmember Agreement with Us\nYour Billing Rights\nRetain for your records\nIntroduction\nThis Agreement establishes the terms of your credit card Account (Account) with UBS Bank USA, Salt\nLake City, UT. Please read it carefully and keep it with your records. You do not need to sign this\nAgreement, but please sign the back of your credit card (the Card), if you have not already done so.\nAll extensions of credit in connection with your Account are being made by UBS Bank USA. The\nAccount Summary Table, found on the back of the folder containing your card, is part of this\nAgreement.\nUsing your account/acceptance of these terms\nYou do not need to accept the Account and this Agreement and none of the fees on this Account\n(except as otherwise provided herein) will apply unless you use the Account. If your Account has an\nAnnual Fee (see the Account Summary Table to determine if this Account has an Annual Fee) and\nprovided that you have not otherwise used the Account to make a Purchase, Balance Transfer or Cash\nAdvance or paid the Annual Fee, you may close the Account within thirty days after Account opening\nby contacting us at the number on the back of your Card, and if you do, you will not be responsible\nfor paying the Annual Fee. By signing, keeping, using or otherwise accepting your Card or Account,\nyou agree to the terms and conditions of this Agreement. You agree to be responsible for all changes\nincurred by you and any authorized users on your Card or Account. You may obtain credit in the form of\nPurchases, Balance Transfers and Cash Advances by using your Card, your Account number, Checks,\nor other credit devices. You may also make purchases through digital or mobile wallet services (for\nexample, but not limited to, Apple Pay) from time to time. You agree that the use of digital or mobile\nwallet services is subject to this Agreement and any additional terms and conditions you agree to\nwhen signing up for those particular services. We are not responsible for providing the digital or\nmobile wallet services to you and you agree that we make no representations or promises as to where\nyou may use them. We are not responsible for any failure of the digital or mobile wallet service to\nwork. We may provide notices to you regarding mobile or digital wallet services in this Agreement or\nby posting material to your mobile or digital wallet service\'s terms and conditions or similar section on\nyour digital or mobile wallet service supported device. You agree that we may credit your Account\nrather than issue cash refunds when you reverse transactions that were originally charged to your\nAccount. You agree that you will not use your Card or Account in connection with any transaction\nthat is prohibited or unenforceable and that if you do engage in such a transaction you waive any\nclaim that the charge is uncollectible on the grounds the transaction was prohibited or\nunenforceable. The Card must be returned to us upon request. We may replace your Card with\nanother Card at any time.\n\nDefinitions\nIf we use a capitalized term in this document but we do not define the term in this document, the\nterm has the meaning as used in your monthly statement.\n\xe2\x80\x9cAgreement\xe2\x80\x9d means this document and the Account Summary Table, and any changes we make to\nthese documents from time to time.\n\xe2\x80\x9cAuthorized Card Manager\xe2\x80\x9d means the person you designate to manage your Account, make\ndecisions about your Account, and obtain information about your Account.\n\n4\n\n\x0c\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you allow to use your Account including without limitation\nthrough a Card, Check, the Account number, other credit device or, digital or mobile wallet services\nsuch as, but not limited to, Apple Pay.\n\xe2\x80\x9cBalance Transfer\xe2\x80\x9d means the use of your Account for a loan obtained by a transfer of funds\ninitiated by us at your request and includes the use of a Balance Transfer Check. \xe2\x80\x9cBalance Transfer\xe2\x80\x9d\nincludes the Transaction Fees associated with any Balance Transfer.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means the use of your Card or Account number to obtain cash loans at any\nfinancial institution or automated teller machine (ATM) that accepts the Card, the use of a Cash\nAdvance Check or the purchase of Cash Equivalents. \xe2\x80\x9cCash Advance\xe2\x80\x9d includes the Transaction Fees\nassociated with any Cash Advance or any Cash Equivalent.\n\xe2\x80\x9cCash Equivalent\xe2\x80\x9d means the use of your Card or Account number to obtain money orders,\ntraveler\xe2\x80\x99s checks, foreign currency, lottery tickets, gambling chips, make wagers or similar betting\ntransactions, wire transfers or similar cash-like transactions including but not limited to\ncryptocurrencies. Cash Equivalents and the Transaction Fees associated with any Cash Equivalent\nare considered Cash Advances for interest calculation purposes.\n\xe2\x80\x9cCheck\xe2\x80\x9d or \xe2\x80\x9cConvenience Check\xe2\x80\x9d means an access check we provide to you to make a Cash\nAdvance or a Balance Transfer as applicable on your Account. A Check can be either a Balance\nTransfer Check or a Cash Advance Check and will be designated as such by us.\n\xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d or \xe2\x80\x9cDPR\xe2\x80\x9d means the applicable APR divided by 365.\n\xe2\x80\x9cForeign Transaction\xe2\x80\x9d means the use of your Card or Account (other than through a Cash Advance)\nfor a transaction with a business or entity located outside of the United States or for a transaction in\na currency other than U.S. dollars. Foreign\nTransactions and the Transaction Fees associated with any Foreign Transaction are considered\nPurchases for interest calculation purposes.\n\xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d or \xe2\x80\x9cMPR\xe2\x80\x9d means the applicable APR divided by 12.\n\xe2\x80\x9cPurchase\xe2\x80\x9d means the use of your Card or Account number to buy or lease goods or services and to\nmake a transaction that is not otherwise a Balance Transfer or a Cash Advance. Purchases include\nForeign Transactions, Account Fees and any adjustments associated with any Purchase.\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who has applied for, accepted, or used the Account and\neach person who has agreed to be responsible for the Account.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to UBS Bank USA.\nObligations on your account\nYou authorize us to pay and charge your Account for all Purchases, Balance Transfers, Checks, and\nCash Advances made or obtained by you or anyone you authorize to use your Card or Account. You\nagree to pay us for all of these Purchases, Balance Transfers, Checks, and Cash Advances, plus any\ninterest assessed on your Account and any other charges and fees that you may owe under the\nterms of this Agreement, whether resulting from 1) physical use of your Card or a Check, 2) mail\norder or telephone, computer or other electronic transaction made without presenting the Card, or\n3) any other circumstances where you authorize a charge, or authorize someone else to make a\ncharge, to your Account. Each person who has agreed to be responsible on the Account is\nresponsible to pay the full amount owed on the Account. If this is a joint Account, we can send\nstatements and notices to either of you. We may require that you pay the full amount owed without\nfirst asking any other person(s) to pay. Instructions for making payments are on your monthly billing\nstatement. Payments that comply with the requirements specified on or with your monthly billing\nstatement, including the time of receipt, will be credited on the business day they are received.\nPayments must be mailed to the correct P.O. Box or street address specified for U.S. Priority Mail and\novernight payments. There may be a delay of up to five (5) days in crediting payments that\nare not made in accordance with those instructions. Please allow at least seven (7) days for\nthe U.S. Postal Service to deliver your payment. All payments must be made in U.S. dollars. Any\n\n5\n\n\x0cpayment made by check or other negotiable instrument or direct debit must be drawn on a U.S.\nbank or a U.S. branch of a foreign bank. We reserve the right to accept payments made in a foreign\ncurrency. If we do, we will select the foreign currency rate at our discretion. Your available credit\nmay not be increased by the amount of the payment for up to seven (7) days to ensure we\ncollect the funds from the bank on which your payment is drawn. If you overpay or if there is\na credit balance on your Account, we will not pay interest on such amounts.\nAutomatic repayment of cash advances through CashConnect\nThe CashConnect feature on your UBS credit card Account will automatically repay new Cash\nAdvances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night,\nwith available funds from your UBS Resource Management Account (RMA) or your UBS Business\nServices Account BSA (either referred to as UBS Account). The CashConnect feature is available only\nfor cardholders who have the UBS credit card connected to a RMA or Business Services Account\nBSA. You will incur no interest charges on CashConnect Cash Advances, as long as there are\nsufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction\nin full when we first seek payment from your UBS Account. If sufficient available funds are not\navailable in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the\nAPR on Cash Advances (as listed in the Account Summary Table) will apply as of the original\ntransaction date on any remaining balance. You will be charged the APR on Cash Advances on your\nremaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees\nmay apply. No other Account balances are paid through the CashConnect feature. The CashConnect\nfeature only applies if you have a UBS Account. If you have a UBS Account and choose not to\nparticipate in the CashConnect feature, please contact UBS Financial Services Inc. at 800-762-1000.\nInterest rate information\nSee the Account Summary Table for information on how the APRs on your Account are calculated.\nHow the penalty APR may apply to your account\nThe APRs on your Account may be increased each time you fail to make a payment to us when due,\nor you make a payment that is not honored by your bank. If we increase the APRs on your Account,\nwe will notify you in advance of the increase. Our notice to you will include the effective date of the\nAPR increase and the balances to which the Penalty APR will be applied. If the Penalty APR is applied\nto your Account, it may continue to apply indefinitely.\nChecks on your account\nWe may issue Checks on your Account in the form of \xe2\x80\x9cBalance Transfer Checks\xe2\x80\x9d or \xe2\x80\x9cCash Advance\nChecks,\xe2\x80\x9d which can be used to access your credit line. Each Check will contain your Account number\nand may be used only by the person(s) whose name(s) is/are printed on it. Each must be completed\nand signed in the same manner as a regular personal check. If we provide Checks to you, you may\nnot use them to pay any amount you owe under this Agreement or under any other Account you\nmay have with us. Balance Transfer Checks and Cash Advance Checks are subject to the same rate\nand other terms under this Agreement as Balance Transfers and Cash Advances, respectively. Unless\notherwise indicated, all references in this Agreement to Balance Transfers include Balance Transfer\nChecks, all references to Cash Advances include Cash Advance Checks, and all references to use of\nthe Account include use of these Checks. At our sole discretion we may elect to not honor a Check if\nyour Account is not in good standing or if the Check may cause your Account to exceed the Cash\nAdvance or other applicable credit line on your Account. At our sole discretion we may elect to\nhonor a Check after its expiration date. Unlike purchase transactions, there are very limited dispute\nrights with regard to Balance Transfer and Check transactions.\n\n6\n\n\x0cPersonal Identification Number (PIN)\nWe may issue you a PIN that you can use to obtain a Cash Advance at participating ATMs, or to\nauthorize other transactions at terminals that connect with a microchip embedded in your Card.\nYou must keep your PIN confidential, and may not write it on your Card or on any material you keep\nwith your Card. You agree that we may honor each ATM or other transaction according to the\ninstructions keyed in for it at the ATM or terminal, and you acknowledge that each transaction made\nusing your Card and PIN will have the same effect, and you will be liable, as if it was made by a\nwritten document signed by you.\nCredit line/authorized usage\nYour credit line is shown on the folder containing your Card. We may change your revolving credit\nline from time to time\xe2\x80\x94 either increase or decrease it\xe2\x80\x94in our sole discretion. If at any time\n(including in the first month after your Account is opened) you engage in Account actions or activity\nthat we perceive could have a negative impact on your credit standing with us, we may decrease your\nrevolving credit line or close your Account. Your latest revolving credit line will appear on your monthly\nbilling statement. You agree that we may change or cancel your revolving credit line or cash\nadvance limit at any time for any reason without affecting your obligation to pay amounts that you\nowe under this Agreement. We will notify you of any change, but the change may take effect before\nyou receive the notice.\nYour revolving credit line is available to buy or lease goods or services where the Card is honored.\nYou agree not to authorize a Balance Transfer, use a Check, or obtain a Cash Advance that would\ncause the unpaid balance of your Account to exceed your credit line. We may honor Purchases,\nBalance Transfers, Checks and/or Cash Advances in excess of your credit line at our sole discretion. If\nwe do, this Agreement applies to that excess and you agree to pay the excess immediately if we\nrequest that you do so. We may designate that only a portion of your revolving credit line is available\nfor Cash Advances. If we do and you exceed your line, you will be considered to have exceeded your\ncredit line for all purposes of this Agreement. We may limit the authorizations to make Purchase,\nBalance Transfer, Check, or Cash Advance transactions that may be accomplished with your Card or\nAccount. Because your Account has no pre-set spending limit, we may permit you from time to time\nat our discretion to make certain charges that cause your outstanding balance to exceed your\nrevolving credit line. These charges will be evaluated based on Account performance, other credit\nAccounts with us, and your experience with other creditors. If we authorize these charges, you must\npay, with your Minimum Payment Due, the amount by which your balance exceeds your revolving\ncredit line, including amounts due to Purchases, Cash Advances, Interest charges, Account Fees, or\nother charges.\nMonthly billing statements\nAt the end of each monthly billing cycle a statement will be mailed or delivered to you if your\nAccount has a debit or credit balance of more than $1.00 or if interest or a fee has been imposed. We\nwill not send a monthly billing statement if we deem your Account uncollectible or if delinquency\ncollection proceedings have been instituted by us sending your Account to an outside collection\nagency or attorney for collection.\nYour minimum payment each month\nEach billing cycle, you must pay at least the Minimum Payment Due shown on your monthly\nstatement by its Payment Due Date. If the Statement Balance shown on your monthly\nstatement is less than $35, your Minimum Payment Due (due by the Payment Due Date) will be\nthat Statement Balance amount. Otherwise, if your Statement Balance is equal to or greater\nthan $35, your Minimum Payment Due will be the greater of $35 or the total of (1) 2% of the\nPrincipal Balance (defined as the total Statement Balance minus any interest charges, Returned\n\n7\n\n\x0cPayment Fees, and Late Payment Fees that are incurred during the current billing cycle), plus (2)\ninterest charges incurred during the current billing cycle (for this purpose, interest charges\nincurred do not include interest charges that accrued during prior billing cycles on a deferred\ninterest balance (if there are any on your Account) that ended during the billing cycle covered\nby the statement), plus (3) any Returned Payment Fees and any Late Payment Fees incurred\nduring the current billing cycle, plus (4) if your Account has an Annual Fee and if we so elect, a\nportion of the amount of the Annual Fee (unless you have already paid the Annual Fee in full),\nplus (5) if we so elect, any amount past due and/or amount over your credit line at the time of\nbilling. In certain instances your Minimum Payment Due may be less than your total fees and\ninterest assessed in that billing cycle. At any time you may pay more than the Minimum\nPayment Due up to the full amount you owe us, however you cannot \xe2\x80\x9cpay ahead\xe2\x80\x9d. This means\nthat if you pay more than the required Minimum Payment Due in any billing cycle or if you\nmake more than one payment in a billing cycle, you will still need to pay the next month\xe2\x80\x99s\nrequired Minimum Payment Due by your next Payment Due Date.\n\nHow we will calculate your balance subject to interest rate\nWe use a method called \xe2\x80\x9cdaily balance (including new purchases)." To determine the amount of the\ninterest to be charged on your Account we first calculate the \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d\nseparately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable DPR\nto each of the applicable daily balances for i) Purchases, ii) Balance Transfers and iii) Cash Advances.\nThe daily balances for Purchases, for Balance Transfers and for Cash Advances are each calculated\nseparately and determined as follows: We take the beginning balances for each transaction type on\nyour Account each day, including any interest calculated on the previous day\xe2\x80\x99s balance, add to the\nrespective balances any new transaction, subtract any payments or credits and make any other\napplicable adjustment(s). This Agreement provides for compounding of interest. A credit balance is\ntreated as a balance of zero. If you multiply the \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d for each balance\ncategory as shown on your monthly billing statement by the number of days in the billing period and\nthen multiply each sum by the applicable DPRs, the results will be the interest assessed, except for\nminor variations caused by rounding. We may from time to time offer you \xe2\x80\x9cintroductory,\xe2\x80\x9d \xe2\x80\x9cspecial\xe2\x80\x9d\nor \xe2\x80\x9cpromotional\xe2\x80\x9d APR offers. If any are in effect on your Account, we will separately identify the\nbalances to which such offers apply on your monthly billing statement. These separate balances and\nthe related interest will be calculated in the same manner as described above.\nFor Residents of Iowa and Puerto Rico\nWe use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d To determine the\namount of the interest to be charged on your Account we first calculate the \xe2\x80\x9cBalance Subject to\nInterest Rate\xe2\x80\x9d separately for Purchases, for Balance Transfers and for Cash Advances. We apply the\napplicable Monthly Periodic Rate to the average daily balances of i) Purchases, ii) Balance Transfers,\nand iii) Cash Advances. The average daily balances for Purchases, for Balance Transfers and for Cash\nAdvances are calculated separately and determined as follows: We take the beginning balances for\neach balance category on your Account each day, add to the respective balances any new transaction,\nsubtract any payments or credits and make any other applicable adjustment(s). A credit\nbalance is treated as a balance of zero. Then we take the sum of all daily balances and divide by the\nnumber of days in the billing period to determine the average daily balance. If you multiply the\n\xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d for each balance category as disclosed on your monthly billing\nstatement by the applicable MPRs, the results will be the interest assessed, except for minor variations\ncaused by rounding. We may from time to time offer you \xe2\x80\x9cintroductory,\xe2\x80\x9d \xe2\x80\x9cspecial\xe2\x80\x9d or \xe2\x80\x9cpromotional\xe2\x80\x9d\nAPR offers. If any are in effect on your Account, we will separately identify the balances\nto which such offers apply on your monthly billing statement. These separate balances and\nthe related interest will be calculated in the same manner as described above.\n\n8\n\n\x0cAccrual of interest and how to avoid paying interest on purchases\nOn Purchases, interest begins to accrue as of the transaction date. However, if you paid the\nStatement Balance that was shown on your previous billing statement by the Payment Due Date on\nthat statement, then (1) we will not impose interest on Purchases during your current billing period if\nyou pay the Statement Balance on your current billing statement by the Payment Due Date in the\ncurrent billing period, and (2) we will credit any payment applied toward Purchases as of the first day\nin your current billing period if you make a payment by the Payment Due Date in the current billing\nperiod that is less than the Statement Balance. If a Statement Balance was shown on your previous\nbilling statement and you did not pay the Statement Balance by the Payment Due Date on that\nstatement, then we will not impose Interest Charges on any Purchases during the current billing\nperiod if you pay the Statement Balance shown on your current billing statement by the Payment\nDue Date in the current billing period.\nFor Balance Transfers, interest will accrue from the day we send the Balance Transfer to the payee.\nFor Checks, interest will accrue from the day the payee accepts the check. For Cash Advances,\ninterest will accrue from the day you take the Cash Advance.\nFor residents of Iowa and Puerto Rico\nOn Purchases, interest begins to accrue as of the date your transaction is posted on the Account.\nHowever, if you paid the Statement Balance that was shown on your previous billing statement\nby the Payment Due Date on that statement, then (1) we will not impose interest on Purchases\nduring your current billing period if you pay the Statement Balance on your current billing statement\nby the Payment Due Date in the current billing period, and (2) we will credit any payment applied\ntoward Purchases as of the first day in your current billing period if you make a payment by the\nPayment Due Date in the current billing period that is less than the Statement Balance. If a Statement\nBalance was shown on your previous billing statement and you did not pay the Statement Balance by\nthe Payment Due Date on that statement, then we will not impose Interest Charges on any\nPurchases during the current billing period if you pay the Statement Balance shown on your current\nbilling statement by the Payment Due Date in the current billing period. For Balance Transfers,\ninterest will accrue from the day we send the Balance Transfer to the payee. For Checks, interest will\naccrue from the day we pay the check. For Cash Advances, interest will accrue from the day the\nCash Advance is posted on the Account.\n\nTransaction fees\nIf you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee for\neach such Cash Advance. If you use your Card or Account to do a Balance Transfer, we will charge a\nBalance Transfer Fee for each such Balance Transfer. If you use your Card or Account to purchase\nCash Equivalents, we will charge a Cash Advance Fee (sometimes we may refer to this as a Cash\nEquivalent Fee) for each such transaction. If you use your Card or Account for a Foreign Transaction,\nwe will charge a Foreign Transaction Fee for each such transaction. Balance Transfer Checks and\nCash Advance Checks are subject to the same Transaction Fee as Balance Transfers and Cash\nAdvances, respectively. The present amounts of those charges are stated in the Account Summary\nTable. When you use an ATM, you may be charged a fee by the ATM operator and / or any network\nused (and you may be charged a fee for a balance inquiry even if you do not complete a transaction).\nIf you have an active UBS Account linked to this credit card account, UBS Financial Services Inc. will\nreimburse your U.S. domestic ATM fees, up to $5.00 per transaction, for an unlimited number of\ntransactions per year for the UBS Visa Signature credit card, and up to $10.00 per transaction for an\nunlimited number of transactions per year for the UBS Visa Infinite credit card. We will not\nreimburse your international ATM fees. We are able to rebate ATM fees only in cases where the\n\n9\n\n\x0ctransaction fee surcharge is submitted to UBS by the ATM operator and / or network used. In the\nevent that you have not received a rebate for a fee that you believe is eligible, please call 800-7621000 or collect at 201-352-5257 for assistance.\nAccount fees\nIn addition to the fees listed in the Account Summary Table, we may also assess the Account Fees\nlisted below.\nAnnual fee: If your Account has an Annual Fee, it will be assessed during the first monthly billing\ncycle and every twelve months thereafter, on the fee anniversary month. The amount of the Annual\nFee, if there is one on your Account, is listed in the Account Summary Table.\nLate payment fee: If we do not receive a payment from you in at least the amount of your\nMinimum Payment Due by the Payment Due Date shown on your monthly statement, we may\ncharge you a Late Payment Fee. The Late Payment Fee will be $27, but $38 if you did not make at\nleast the Minimum Payment Due by the Payment Due Date in each of the 6 prior billing periods.\nHowever, the Late Payment Fee will never exceed the amount of your required Minimum Payment\nDue to which the Late Payment Fee relates.\nReturned payment fee: If your bank does not honor a check or direct debit you deliver to us, or\nwe must return a check because it is not signed or is otherwise irregular, we may charge you a\nReturned Payment Fee. The Returned Payment Fee will be $27, but $38 if you had a returned\npayment in any of the 6 prior billing periods. However, the Returned Payment Fee will never exceed\nthe amount of your most recent required Minimum Payment Due.\nReturned check fee: If we return a Convenience Check (which includes a Balance Transfer Check\nor a Cash Advance Check) unpaid because it exceeds your available credit line at the time it is\nprocessed, your Account is closed or otherwise does not have charge privileges, you did not comply\nwith our instructions regarding the Check, or your Account is past due, we may charge you a\nReturned Check Fee. The Returned Check Fee will be $27, but $38 if you had a returned\nConvenience Check in any of the 6 prior billing periods. However, the Returned Check Fee will never\nexceed the face amount of the returned Convenience Check.\nForeign currency conversion\nWe and Visa (or its affiliates) will convert transactions in foreign currencies into U.S. dollars. Visa will\nuse its currency conversion procedures that are current at the time of the transaction. Currently,\nVisa selects a rate from the range of rates available in the wholesale currency markets for the\napplicable central processing date, which may vary from the rate Visa itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. The currency\nconversion rate used on the conversion date may differ from the rate in effect on the date you used\nyour Card or Account.\nAuthorized Users\nYou may allow Authorized Users to use your Account and designate a spending limit for any\nAuthorized User. If you allow an Authorized User to use your Account, you will be liable for all\ntransactions made by that person including transactions for which you may not have intended to be\nliable, even if the amount of those transactions causes your credit line or the spending limit of any\nAuthorized User to be exceeded. You must notify us to revoke your permission to allow an\nAuthorized User to use your Account or Card, and you must obtain possession of any Card that has\n\n10\n\n\x0cbeen given to the Authorized User. Until you revoke your permission and obtain possession of any\nCard, you are responsible for all charges made by Authorized Users, including Balance Transfer\nCheck and Cash Advance Check transactions, regardless of whether you intended to be responsible\nfor those charges and you must obtain any Card that has been given to the Authorized Users. If you\nrequest additional Cards for Authorized Users, checks accessing this Account may also be included\nwith the Card.\nAuthorized Card Manager\nIf you designate, and we accept your designation of, an Authorized Card Manager for your Account,\nyou agree that we may accept any instructions or requests of the Authorized Card Manager regarding\nyour Account, we may accept payments from the Authorized Card Manager, and we may\nprovide any information concerning your Account to the Authorized Card Manager. We may,\nhowever, in our discretion, refuse any instruction or request from an Authorized Card Manager. You\nare responsible for any action taken by an Authorized Card Manager. An Authorized Card Manager\nmay not incur new transactions on the Account unless the person is also an Authorized User.\nAdministrative charges\nIf you request photocopies of monthly billing statements, you will be charged $5 for each duplicate\nrequested for each statement requested that is less than 25 months old. If the requested statement is\n25 months or older you will be charged $10 for each requested statement. If you request any special\nservices such as obtaining Cards on an expedited basis, you agree to pay our reasonable charges for\nsuch services, in effect at that time.\nDefault/collectioncosts\nUnless otherwise prohibited by law, your Account will be in default and we may demand immediate\npayment of the entire amount you owe us if: 1) in any month we do not receive your Minimum\nPayment Due by the Payment Due Date; 2) you make Purchases, initiate Balance Transfers, use a\nCheck or obtain Cash Advances in excess of your credit line; 3) you fail to comply with this\nAgreement; 4) there is a filing for your bankruptcy; 5) you die or become incapacitated; or 6) we\nbelieve in good faith that the payment or performance of your obligations under this Agreement is\nimpaired for any other reason. As permitted by applicable law, you agree to pay all collection\nexpenses actually incurred by us in the collection of amounts you owe under this Agreement\n(including court or arbitration costs and the fees of any collection agency to which we refer your\nAccount) and, in the event we refer your Account after your default to an attorney who is not our\nregularly salaried employee, you agree to pay the reasonable fees of such attorney. We will not be\nobligated to honor any attempted use of your Account if a default has occurred or we have\ndetermined to terminate your Account or limit your Account privileges (as discussed below).\nTermination/we may suspend or close your account\nWe may suspend or close your Account or otherwise terminate your right to use your\nAccount without prior notice. We may do this at any time and for any reason, including but not\nlimited to, if there is a change in your creditworthiness or if your Account becomes inactive. You\nmust return to us (or otherwise deactivate) all Cards, Checks, other credit devices, or any digital or\nmobile wallet services on the Account when we request. You agree that you will not try to make a\nPurchase, use a Check, initiate a Balance Transfer or obtain a Cash Advance after you have been\nnotified that your privilege to use your Account has been closed. You may close your Account at any\ntime. If you do, you must return to us all Cards and Checks previously issued on the Account. If you\ncall us, we may require that you confirm your termination in writing. Your obligations under this\nAgreement continue even after the Account is closed. If you voluntarily close your card, you will\nbe allowed 60 days following the effective date of termination of the UBS Account or Cards to\nredeem outstanding rewards points (Points) for gift cards or merchandise. In the event we close\n\n11\n\n\x0cyour Card for any reason other than inactivity, your Points will be immediately forfeited. In the\nevent we close your Card due to inactivity, you will have not less than 60 days to redeem your\nPoints for gift cards or merchandise. With the exceptions noted below, Points are forfeited\nimmediately upon closure of the Card due to death of the cardholder. The Points may be\nreinstated to an open UBS credit card account of a spouse or domestic partner of the cardholder\nif the spouse or domestic partner requests reinstatement of the Points in writing within 90 days\nof the account closure and the remaining outstanding balance on the closed credit card account\nhas been paid. The spouse or domestic partner must submit written proof of the marital or\ndomestic partner status satisfactory to us. If such satisfactory written proof is not submitted\nwithin 30 days of the request, the points will be permanently and irrevocably forfeited.\nNotices to you\nBilling statements and notices will be sent to the address shown in our files. If this is a joint Account,\nwe may send billing statements and notices to either of you. You promise to inform us promptly of\nany change in your e-mail address or your U.S. mail address by calling us at 800-762-1000. Or, you\nmay contact your Financial Advisor for this request.\nSkip payment program and other special terms\nFrom time to time, we may let you skip or reduce one or more monthly payments during a year\n(interest will continue to accrue) or offer you other special features. If we do, we will advise you of\nthe scope and duration of the applicable skip or special feature. When the skip or special feature\nends, your regular terms will resume.\nChanges to this agreement\nWe can change this Agreement, including the annual percentage rate and any fees, as\npermitted by applicable law. These changes may include the addition or deletion of\nprovisions relating to your Account or to the nature, extent, and enforcement of the rights\nand obligations you or we may have under this Agreement. We will notify you of any\nchange to the extent required by law. Any change, including any increase or decrease in\nyour APRs, will become effective at the time stated in our notice and will apply to those\nbalances, including new transactions, on your Account as described in our notice.\nCredit information\nYou agree that we may request consumer credit reports from one or more credit reporting\nagencies in connection with your application and the review, administration and collection\nof your Account. You also authorize us to exchange credit information concerning you or your\nAccount or any Authorized Users with (and answer questions and requests from) others, such as\nmerchants, other lenders and credit reporting agencies. We may report information about your\nAccount to credit bureaus. Late payments, missed payments, or other defaults on your Account may\nbe reflected in your credit report. If you believe that an entry we have made on your credit report or\nthe credit report of any Authorized User is inaccurate or incomplete, please contact the credit bureau\ndirectly or contact us at UBS Bank USA, Card Operations, 1000 Harbor Boulevard, 6th floor,\nWeehawken, NJ 07086. We will request your name and/or the name of the Authorized User; your\nAccount number; the credit bureau where you or the Authorized User received the credit report; a\ndescription of the error; and why you believe it is an error. We will promptly investigate, then notify\nyou or the Authorized User of our findings, and send an update to the credit bureaus if warranted\nwithin 30 days.\nPhone calls/electronic communications\nIn the regular course of our business, for quality control and archival purposes, we may monitor and\nrecord phone conversations made or received by our employees or our agents. Similarly, we may\nmonitor and record e-mail or conversations on our website between you and our employees or\n\n12\n\n\x0cagents. You agree that we will have such right with respect to all phone conversations, e-mail or\nconversations between you and our employees or agents, whether initiated by you or any of our\nemployees or agents. You also agree that in connection with our collection (whether by us or by any\nagent of ours) of any amounts owed on the Account that: 1) telephone calls, from us or on our\nbehalf, may be made: (a) to the telephone number(s) that you provided on the Account Application:\n(b) to any other telephone number(s) that you later provide to us, and/or (c) to any telephone\nnumber(s) that we are permitted by law to use to contact you; 2) these calls may be sent using\nautomatic dialing equipment and/or include prerecorded messages; 3) other communications,\nincluding mobile text messages, may be sent to the same telephone number(s) (technology\npermitting); 4) you may be charged by your service provider for these calls in accordance with your\nservice plan between you and your current telephone provider, but we pay any charges for sending\ntext messages to you; 5) these calls and/or messages are not \xe2\x80\x9cunsolicited\xe2\x80\x9d calls for purposes of\napplicable law; and 6) except to the extent prohibited by applicable law, other communications,\nincluding, but not limited to, fax or telecopier, Internet, U.S. mail, and non-mobile e-mail messages,\nmay be sent to you.\nRefusal to honor card\nWe are not responsible for refusals to honor your Card or Checks. And, except as otherwise required\nby applicable law or regulation, we will not be responsible for merchandise or services purchased or\nleased through use of your Account.\nIrregular payments and delay in enforcement\nWe can accept late payments, partial payments, checks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or\nlanguage having the same effect without losing any of our rights under this Agreement, and such\npayments may be sent only to the following address: UBS Bank USA\xe2\x80\x94Card Services, P.O. Box\n203219, Dallas, TX 75320-3210. We can also delay enforcing our rights under this Agreement any\nnumber of times without losing them. The fact that we may at any time honor a Purchase, Check,\nBalance Transfer or Cash Advance in excess of your maximum credit line does not obligate us to do\nso again.\nOur rights continue\nOur failure or delay in exercising any of our rights under this Agreement does not mean that we are\nunable to exercise those rights later.\nPayment allocation\nSubject to any mandatory provisions of applicable law, in most instances, we will allocate any\namount over your minimum payment to the highest APR balances first. Payments up to the minimum\npayment will be applied at our discretion, including to lower APR balances first.\nLiability for unauthorized use of your Account\nIf you notice the loss or theft or your credit card or a possible unauthorized use of your card, you\nshould write to us immediately at the address listed on your bill, or call as at 800-762-1000. If you\nbelieve your digital or mobile wallet service or the information entered into it to permit you to use\nsuch digital or mobile wallet service has been lost or stolen or wrongfully appropriated or used,\nplease call us at the same number above to report the loss or theft. You will not be liable for any\nunauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use\nthat occurs before your notice to us. In any case, your liability will not exceed $50.\nRight to assets at affiliates\nIn case of any default by you, we may request liquidation of, or encumber or hold, assets at\nany of our affiliates, in order to pay-off any balance on your Account.\n\n13\n\n\x0cGoverning law\nThis Agreement, your Account, and the relationship between you and us will be governed by federal\nlaw and, to the extent that state law is applicable, the laws of the state of Utah, where we are located.\nFor any individual (including an individual acting as trustee of a trust) residing in or located\nin any country in the European Economic Area: You represent and warrant that you do not intend\nto use any part of this credit line, and will not now or in the future use any part of this credit line, for\nthe acquiring or retaining of property rights in land or in an existing or projected building, or for the\nrenovation of residential property.\nInquiries or questions\nYou may address any inquiries or questions that you have about your Account to UBS Bank USA by\ncalling us at 800-762-1000 or by writing to us at UBS Bank USA\xe2\x80\x94 Card Operations, 1000 Harbor\nBoulevard, 6th floor, Weehawken, NJ 07086. If you telephone us instead of writing, you may lose\ncertain rights the law gives you to dispute billing errors (see Your Billing Rights).\nMilitary Lending Act\nIf you are a covered borrower as defined under the Military Lending Act or you are a\ndependent of a covered member as defined under the Military Lending Act, the following\ndisclosure is applicable to you:\nFederal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card\naccount).\nFor important information and disclosures regarding the Military Lending Act you may call 1-800762-1000.\nArbitration\nSubject to the last paragraph of this section, at the election of either you or us, any claim, dispute or\ncontroversy (Claim) by either you or us against the other, or against the employees, agents or assigns of\nthe other, arising from or relating in any way to this Agreement or your Account, or any transaction on\nyour Account including (without limitation) Claims based on contract, tort (including intentional torts),\nfraud, agency, negligence, statutory or regulatory provisions or any other source of law and (except as\nspecifically provided in this Agreement) Claims regarding the applicability of this arbitration clause or the\nvalidity of the entire Agreement, shall be resolved exclusively and finally by binding arbitration under the\nrules and procedures of the arbitration Administrator selected at the time the Claim is filed. The\nAdministrator selection process is set forth below. For purposes of this provision, \xe2\x80\x9cyou\xe2\x80\x9d includes any\nauthorized user on the Account, and any of your agents, beneficiaries or assigns; and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d\nincludes our employees, parents, subsidiaries, affiliates, beneficiaries, agents and assigns, and to the\nextent included in a proceeding in which UBS Bank USA is a party, its service providers and marketing\npartners. Claims made and remedies sought as part of a class action, private attorney general or other\nrepresentative action (hereafter all included in the term class action) are subject to arbitration on an\nindividual basis, not on a class or representative basis.\nAlternatively, you and we may pursue a Claim within the jurisdiction of a small claims court,\nprovided that the action remains in that court, is made on behalf of or against you only and is not\nmade part of a class action, private attorney general action or other representative or collective action.\nFurther, you and we agree not to seek to enforce this arbitration provision, or otherwise commence\n\n14\n\n\x0carbitration based on the same claims in any action brought before the small claims court. The party\ninitiating arbitration shall utilize the American Arbitration Association, adr.org, 1633 Broadway, 10th\nFloor, New York, New York 10019, 800-778-7879, to administer the arbitration (the Administrator).\nThe Administrator provides information about arbitration, its arbitration rules and procedures, fee\nschedule and claims forms at its web site or by mail as set forth above. The Administrator will apply\nthe rules and procedures in effect at the time the arbitration is filed. The Claim will be heard before a\nsingle arbitrator, whose authority is limited exclusively to the resolution of Claims between you and us\nand to providing an award effective only on behalf of you and/or us.\nThe arbitration will not be consolidated with any other arbitration proceedings. The Administrator\nshall resolve each dispute in accordance with applicable law. If you commence arbitration, you must\nprovide us the notice required by the Administrator\xe2\x80\x99s rules and procedures. The notice may be sent to\nus at UBS Bank USA Card Operations, 1000 Harbor Boulevard, 6th floor, Weehawken, NJ 07086. If\nwe commence arbitration, we will provide you notice at your last known billing address. We agree to\nhonor your request to remove the action to a small claims court, provided that we receive the\nrequest within thirty days of the notice of commencement of arbitration. Any arbitration hearing at\nwhich you appear will take place at a location within the federal judicial district that includes your\nbilling address at the time the Claim is filed. This arbitration agreement is made pursuant to a\ntransaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9\nU.S.C. \xc2\xa7\xc2\xa7 1-16. Judgment upon any arbitration award may be entered in any court having jurisdiction.\nNo class actions or joinder or consolidation of any Claim with a Claim of any other person or\nentity shall be allowable in arbitration, without the written consent of both you and us. In\nthe event that there is a dispute about whether limiting arbitration of the parties\xe2\x80\x99 dispute to non-class\nproceedings is enforceable under applicable law, then that question\nshall be resolved by litigation in a court rather than by the arbitrator; and to the extent it is determined\nthat resolution of a Claim shall proceed on a class basis, it shall so proceed in a court of competent\njurisdiction rather than in arbitration. We will pay, or reimburse you for, all fees or costs to the extent\nrequired by law or the rules of the arbitration Administrator. Whether or not required\nby law or such rules, if you prevail at arbitration on any Claim against us, we will reimburse you for\nany fees paid to the Administrator in connection with the arbitration proceedings. In addition, in any\narbitration that you elect to file that could be heard in small claims court in your jurisdiction, we will\npay the filing fees and other arbitration fees above the cost of filing in that small claims court. If you\nare required to advance any fees or costs to the arbitration Administrator, but you ask us to do so in\nyour stead, we will consider and respond to your request. This arbitration agreement applies to all\nClaims now in existence or that may arise in the future except for Claims by or against any unaffiliated\nthird party to whom ownership of your Account may be assigned, in which case this arbitration\nagreement will apply only if you or the third party chose arbitration. This arbitration agreement\nsurvives the termination of the Cardmember Agreement or the Account relationship, including your\npayment in full, and your filing of bankruptcy. Nothing in this Agreement shall be construed to prevent\nany party\xe2\x80\x99s use of (or advancement of any claims, defenses, or offsets in) bankruptcy or repossession,\nreplevin, judicial foreclosure or any other prejudgment or provisional remedy relating to any collateral,\nsecurity or property interests for contractual debts now or hereafter owed by either party to the other\nunder this Agreement.\nARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE\nRIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION YOU AND WE WILL NOT\nHAVE THE RIGHTS THAT ARE PROVIDED IN COURT INCLUDING THE RIGHT TO A TRIAL BY JUDGE OR\nJURY AND THE RIGHT TO PARTICIPATE OR BE REPRESENTED IN PROCEEDINGS BROUGHT BY OTHERS\nSUCH AS CLASS ACTIONS OR SIMILAR PROCEEDINGS. IN ADDITION, THE RIGHT TO\nDISCOVERY AND THE RIGHT TO APPEAL ARE ALSO LIMITED OR ELIMINATED BY ARBITRATION. ALL OF\nTHESE RIGHTS ARE WAIVED AND ALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION.\n\n15\n\n\x0cIf at the time you open this Account you are a covered borrower under the Military Lending Act or\nyou are a dependent of a covered member as the terms "covered member" and "dependent" are\ndefined in the Military Lending Act and its implementing regulations, then this entire section titled\n\xe2\x80\x9cArbitration\xe2\x80\x9d is not applicable to your Account.\nYOUR BILLING RIGHTS\nYour billing rights: keep this document for future use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement\nIf you think there is an error on your statement, write to us at: UBS\nBank USA\xe2\x80\x94 Card Operations\n1000 Harbor Boulevard, 6th floor Weehawken,\nNJ 07086\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat will happen after we receive your letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also\ntell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and the date\n\n16\n\n\x0cpayment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay\nthe remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from\nan ATM or with a check that accesses your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in\nwriting at:\nUBS Bank USA \xe2\x80\x94 Disputes\nP.O. Box 84040\nColumbus, GA 31993-9982\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\n\n\xc2\xa9 UBS 2020. The key symbol and UBS are among the registered and unregistered trademarks of UBS.\nVISA, VISA SIGNATURE and VISA INFINITE are registered trademarks owned by Visa International\nService Association and used under license. UBS Visa Signature and UBS Visa Infinite credit cards are\nissued by UBS Bank USA with permission from Visa U.S.A. Inc. Other marks are trademarks of the\nrespective owners. All rights reserved.\nThe RMA and Business Services Account BSA are brokerage accounts with UBS Financial Services Inc.\nRMA, Resource Management Account and Business Services Account BSA are registered service marks of\nUBS Financial Services Inc.\n\n2020-42039\n\n17\n\n\x0c'