1  
 UBS VISA  SIGNATURE  CREDIT  CARD  ACCOUNT  
SUMMARY  TABLE  
Interest  Rates  and Interest  Changes  
Annual  Percentage  Rate  
(APR)  for Purchases   15.49% 
 
This APR will vary with the market  based  on the Prime  Rate.  
APR for Balance  Transfers   0% introductory  APR for twelve  billing  cycles  for balance  transfers  within  90 
days of account  opening  
 
After  that, your APR will be 15.49%. This APR will vary with the 
market  based  on the Prime  Rate.  
APR for Cash  Advances   22.49% 
 
This APR will vary with the market  based  on the Prime  Rate.  
Penalty  APR and When  it 
Applies   29.49% 
 
This APR may be applied  to your account  if you: 
1) Make  a late payment;  or 
2) Make  a payment  that is returned.  
 
This APR will vary with the market  based  on the Prime  Rate.  
Maximum  APR 29.99%  
 
How  Long  Will the Penalty  APR Apply?  If your APRs  are 
increased  for any of these  reasons,  the Penalty  APR may apply  to your 
balances  indefinitely.  
Paying  Interest   Your due date is at least 23 days after the close of each billing  cycle.  We 
will not charge  you interest  on purchases  if you pay your entire  balance  by 
the due date each month.  We will begin  charging  interest  on cash advances  
and balance  transfers  on the transaction  date.  
 
For residents  of Iowa  and Puerto  Rico 
Your due date is at least 23 days after the close of each billing  cycle.  We 
will not charge  you interest  on purchases  if you pay your entire  balance  by 
the due date each month.  We will begin  charging  interest  on cash advances  
and balance  transfers  on the posting  date.  
For Credit  Card  Tips from  the 
Consumer  Financial  Protection  
Bureau   To learn  more  about  factors  to consider  when  applying  for or using  a 
credit  card,  visit the website  of the Consumer  Financial  Protection  Bureau  
at consumerfinance.gov/learnmore .   2  
  
Fees 
Annual Fee   $0 
Transaction  Fees:  
 
� Balance  Transfer  
 
� Cash  Advance   
 
Either  $2 - $10 or 2% - 3% of the amount  of each transfer,  whichever  
is greater  
Either  $2 - $10 or 2% - 3% of the amount  of each cash advance,  
whichever  is greater.  
 
� Foreign  Transaction   
3% 
This fee does not apply to residents of Iowa and Puerto Rico.  
Penalty  Fees:  
 
� Late Payment  
 
� Over-the-Credit -Line 
 
� Returned  Payment   
 
  Up to $38 
 
$0 
 
Up to $38 
 
How  We Will Calculate  Your  Balance:  We use a method  called  �daily  balance  (including  new 
purchases)�.  See the Cardmember  Agreement  for more  details.  
 
Loss of Introductory  APR:  We may end your Introductory  APR and apply  the Penalty  APR if you 
make  a late payment.  
 
Billing  Error  Rights:  Information  on your rights  to dispute  transactions  and how to exercise  those  
rights  is provided  in your Cardmember  Agreement.  
 
Variable  Rate  Information:  The standard  Annual  Percentage  Rates  (APRs)  on your Account  that 
are used to determine  the amount  of interest  to be charged  for Purchases,  Balance  Transfers  (after  
the Introductory  Period),  Cash  Advances,  and the Penalty  APR are variable  rates.  Introductory  APR is 
available  on all Balance  Transfers  made  during  the first 90 days after account  opening.  The 
introductory  APR will be applied  to each eligible  Balance  Transfer  for the first twelve  billing  cycles  
after the date of the Balance  Transfer.  
 
The APRs  on your Account  correspond  to Daily Periodic  Rates  (DPRs)  and are calculated  by 
multiplying  the applicable  DPR by 365. The DPRs  on your Account  equal  1/365th  of the sum of 1) 
the applicable   Prime  Rate,  2) plus 11.99%  for Purchases,  plus 11.99%  for Balance  Transfers,  plus 
18.99%  for Cash  Advances;  and plus up to 25.99%  for the Penalty  APR (maximum  penalty  APR 
29.99%).  The �Prime  Rate�  used in determining  the APRs  in each billing  cycle will be the highest  
U.S. Prime  Rate published  in the Money  Rates  column  of The Wall Street  Journal  on the last business  
day of each month.  An increase  or decrease  in the Prime  Rate will cause  a corresponding  increase  or 
decrease  to your variable  rates on the first day of the billing  cycle that begins  in the same  month  in 
which  the applicable  Prime  Rate is published.  There  is no limitation  on the amount  of any increase.  
Any such increase  or decrease  will cause  a corresponding  increase  or decrease  in the amount  of 
interest  assessed  and possibly  in the amount  of the Minimum  Payment  Due. If The Wall Street  
Journal  does not publish  the U.S. Prime  Rate,  or if it changes  the definition  of the U.S. Prime  Rate,  
we may substitute  another  index.    3  
 The current  rates  on your  Account.  The rates on your account  vary with the market  based  on the 
Prime  Rate.  The following  rates are accurate  as of April 2022. The DPR for your Introductory  Balance 
Transfer Rate during  the introductory  period  would  have been  0.0000%  (which  corresponds  to an 
introductory   APR of 0.00%).  The DPR for Purchases  would  have been  0.0424% (which  
corresponds  to an APR of 15.49%). The DPR for Balance  Transfers  would  have been 0.0424% 
(which  corresponds  to an APR of 15.49%). The DPR for Cash Advances  would  have been  0.0616% 
(which  corresponds  to an APR of 22.49%). The Penalty  APR established  by the variable  rate formula  
above  would  have been  a DPR of up to 0.0808% (which  corresponds  to an APR of up to 29.49%). 
Maximum  Penalty  APR is 29.99%  (daily  periodic  rate 0.0822%)  
 
For residents  of Iowa and Puerto  Rico 
How  We Will Calculate  Your  Balance:  We use a method  called  �average  daily balance  (including  
new purchases)�.  See the Cardmember  Agreement  for more  details.  
 
Loss of Introductory  APR:  We may end your Introductory  APR and apply  the Penalty  APR if you 
make  a late payment.  
 
Billing  Error  Rights:  Information  on your rights  to dispute  transactions  and how to exercise  those  
rights  is provided  in your Cardmember  Agreement.  
 
Variable  Rate  Information:  The standard  Annual  Percentage  Rates  (APRs)  on your Account  that are 
used to determine  the amount  of interest  to be charged  for Purchases,  Balance  Transfers  (after  the 
Introductory  Period),  Cash  Advances,  and the Penalty  APR are variable  rates.  Introductory  APR is 
available  on all Balance  Transfers  made  during  the first 90 days after account  opening.  The 
introductory  APR will be applied  to each eligible  Balance  Transfer  for the first twelve  billing  cycles  
after the date of the Balance  Transfer.  
 
The APRs  on your Account  correspond  to Monthly  Periodic  Rates  (MPR)  and are calculated  by 
multiplying  the applicable  MPR by 12. The MPRs  on your Account  equal  1/12th  of the sum of 1) the 
applicable  Prime  Rate,  2) plus 11.99%  for Purchases,  plus 11.99%  for Balance  Transfers,  plus 
18.99%  for Cash  Advances;  and plus up to 25.99%  for the Penalty  APR (maximum  penalty  APR 
29.99%).  The �Prime  Rate�  used in determining  the APRs in each billing  cycle will be the highest  
rate published  in the Money  Rates  column  of The Wall Street  Journal  on the last business  day of 
each month.  An increase  or decrease  in the Prime  Rate will cause  a corresponding  increase  or 
decrease  to your variable  rates on the first day of the billing  cycle that begins  in the same  month  in 
which  the applicable  Prime  Rate is published.   There  is no limitation  on the amount  of any increase.  
Any such increase  or decrease  will cause  a corresponding  increase  or decrease  in the amount  of 
interest  assessed  and possibly  in the amount  of the Minimum  Payment  Due. If The Wall Street  
Journal  does not publish  the U.S. Prime  Rate,  or if it changes  the definition  of the U.S. Prime  Rate,  
we may substitute  another  index.  
 
The current  rates  on your  Account:  The rates on your account  vary with the market  based  on the 
Prime  Rate.  The following  rates are accurate  as of April 2022. The MPR for your Introductory  Rate 
during  the introductory  period  would  have been  0.0000%  (which  corresponds  to an introductory  
Balance Transfer  APR of 0.00%).  The MPR for Purchases  would  have been 1.2908 % (which  
corresponds  to an APR of 15.49%). The MPR for Balance  Transfers  would  have been  1.2908 % (which  
corresponds  to an APR of 15.49%). The MPR for Cash  Advances  would  have been  1.8742 % (which  
corresponds  to an APR of 22.49%). The Penalty  APR established  by the variable  rate formula  above  
would  have been  a MPR of up to 2.4575% (which  corresponds  to an APR of up to 29.49%). Maximum  
Penalty  APR is 29.99%  (MPR  2.4992% )   4  
 CARDMEMBER  AGREEMENT  
 
Your Cardmember  Agreement  with Us 
Your Billing  Rights  
Retain  for your  records  
 
Introduction  
This Agreement  establishes  the terms  of your credit  card Account  (Account)  with UBS Bank  USA,  Salt 
Lake City, UT. Please  read it carefully  and keep it with your records.  You do not need  to sign this 
Agreement,  but please  sign the back of your credit  card (the Card),  if you have not already  done  so. 
All extensions  of credit  in connection  with your Account  are being  made  by UBS Bank  USA.  The 
Account  Summary  Table,  found  on the back of the folder  containing  your card,  is part of this 
Agreement.  
 
Using  your  account/acceptance  of these  terms  
You do not need  to accept  the Account  and this Agreement  and none  of the fees on this Account  
(except  as otherwise  provided  herein)  will apply  unless  you use the Account.  If your Account  has an 
Annual  Fee (see the Account  Summary  Table  to determine  if this Account  has an Annual  Fee) and 
provided  that you have not otherwise  used the Account  to make  a Purchase,  Balance  Transfer  or Cash  
Advance  or paid the Annual  Fee, you may close  the Account  within  thirty  days after Account  opening  
by contacting  us at the number  on the back of your Card,  and if you do, you will not be responsible  
for paying  the Annual  Fee. By signing,  keeping,  using  or otherwise  accepting  your Card or Account,  
you agree  to the terms  and conditions  of this Agreement.  You agree  to be responsible  for all changes  
incurred  by you and any authorized  users on your Card or Account.  You may obtain  credit  in  the form of 
Purchases,  Balance  Transfers  and Cash  Advances  by using  your Card,  your Account   number,  Checks,  
or other  credit  devices.  You may also make  purchases  through  digital  or mobile  wallet  services  (for 
example,  but not limited  to, Apple  Pay) from time to time.  You agree  that the use of digital  or mobile  
wallet  services  is subject  to this Agreement  and any additional  terms  and conditions  you agree  to 
when  signing  up for those  particular  services.  We are not responsible  for  providing  the digital  or 
mobile  wallet  services  to you and you agree  that we make  no representations  or promises  as to where  
you may use them.  We are not responsible  for any failure  of the digital  or mobile  wallet  service  to 
work.  We may provide  notices  to you regarding  mobile  or digital  wallet  services  in this Agreement  or 
by posting  material  to your mobile  or digital  wallet  service's  terms  and conditions  or similar  section  on 
your digital  or mobile  wallet  service  supported   device.  You agree  that we may credit  your Account  
rather  than issue cash refunds  when  you reverse  transactions  that were  originally  charged  to your 
Account.  You agree  that you will not use your Card or Account  in connection  with any transaction  
that is prohibited  or unenforceable  and that if you do engage  in such a transaction   you waive  any 
claim  that the charge  is uncollectible  on  the grounds  the transaction  was prohibited  or   
unenforceable.  The Card must  be returned  to us upon  request.  We may replace  your Card with 
another  Card at any time.  
 
 
Definitions  
If we use a capitalized  term in this document  but we do not define  the term in this document,  the 
term has the meaning  as used in your monthly  statement.  
�Agreement�  means  this document  and the Account  Summary  Table,  and any changes  we make  to 
these  documents  from time to time.  
�Authorized  Card Manager�  means  the person  you designate  to manage  your Account,  make  
decisions  about  your Account,  and obtain  information  about  your Account.    5  
 �Authorized  User�  means  any person  you allow  to use your Account  including  without  limitation  
through  a Card,  Check,  the Account  number,  other  credit  device  or, digital  or mobile  wallet  services  
such as, but not limited  to, Apple  Pay. 
�Balance  Transfer�  means  the use of your  Account  for a loan  obtained  by a transfer  of funds  initiated  
by us at your  request  and includes  the use of a Balance  Transfer  Check.  �Balance  Transfer�  includes  
the Transaction  Fees  associated  with  any Balance  Transfer.   You may not use a Balance Transfer to pay 
any amount you owe under this Agreement or any other Account you may have with us.  
�Cash  Advance�  means  the use of your Card or Account  number  to obtain  cash loans  at any 
financial  institution  or automated  teller machine  (ATM)  that accepts  the Card,  the use of a Cash  
Advance  Check  or the purchase  of Cash  Equivalents.  �Cash  Advance�  includes  the Transaction  Fees 
associated  with any Cash  Advance  or any Cash  Equivalent.  
�Cash  Equivalent�  means  the use of your Card or Account  number  to obtain  money  orders,  
traveler�s  checks,  foreign  currency,  lottery  tickets,  gambling  chips , make wagers or similar betting 
transactions, wire transfers or similar cash -like transactions including but not limited to 
cryptocurrencies . Cash  Equivalents  and the Transaction  Fees associated  with any Cash  Equiv alent  
are considered  Cash  Advances  for interest  calculation  purposes.  
�Check�  or �Convenience  Check�  means  an access  check  we provide  to you to make  a Cash  
Advance  or a Balance  Transfer  as applicable  on your Account.  A Check  can be either  a Balance  
Transfer  Check  or a Cash  Advance  Check  and will be designated  as such by us. 
�Daily  Periodic  Rate�  or �DPR�  means  the applicable  APR divided  by 365. 
�Foreign  Transaction�  means  the use of your Card or Account  (other  than through a Cash  Advance)  
for a transaction  with a business  or entity  located  outside  of the United  States  or for a transaction  in 
a currency  other  than U.S. dollars.  Foreign  
Transactions  and the Transaction  Fees associated  with any Foreign  Transaction  are considered  
Purchases  for interest  calculation  purposes.  
�Monthly  Periodic  Rate�  or �MPR�  means  the applicable  APR divided  by 12. 
�Purchase�  means  the use of your Card or Account  number  to buy or lease  goods  or services  and to 
make  a transaction  that is not otherwise  a Balance  Transfer  or a Cash  Advance.  Purchases  include  
Foreign  Transactions,  Account  Fees and any adjustments  associated  with any Purchase.  
�You�  and �your�  refer to each person  who has applied  for, accepted,  or used the Account  and 
each person  who has agreed  to be responsible  for the Account.  
�We,�  �us� and �our�  refer to UBS Bank  USA.  
 
Obligations  on your  account  
You authorize  us to pay and charge  your Account  for all Purchases,  Balance  Transfers,  Checks,  and 
Cash  Advances  made  or obtained  by you or anyone  you authorize  to use your Card or Account.  You 
agree  to pay us for all of these  Purchases,  Balance  Transfers,  Checks,  and Cash  Advances,  plus any 
interest  assessed  on your Account  and any other  charges  and fees that you may owe under  the 
terms  of this Agreement,  whether  resulting  from 1) physical  use of your Card or a Check,  2) mail 
order  or telephone,  computer  or other  electronic  transaction  made  without  presenting  the Card,  or 
3) any other  circumstances  where  you authorize  a charge,  or authorize  someone  else to make  a 
charge,  to your Account.  Each person  who has agreed  to be responsible  on the Account  is 
responsible  to pay the full amount  owed  on the Account.  If this is a joint Account,  we can send 
statements  and notices  to either  of you. We may require  that you pay the full amount  owed  without  
first asking  any other  person(s)  to pay. Instructions  for making  payments  are on your monthly  billing  
statement.  Payments  that comply  with the requirements  specified  on or with your monthly  billing  
statement,  including  the time of receipt,  will be credited  on the business  day they are received.  
Payments  must  be mailed  to the correct  P.O. Box or street  address  specified  for U.S. Priority  Mail and 
overnight  payments.  There  may be a delay  of up to five (5) days  in crediting  payments  that 
are not made  in accordance  with  those  instructions.  Please  allow  at least  seven  (7) days  for 
the U.S. Postal  Service  to deliver  your  payment.  All payments  must be made  in U.S. dollars.  Any   6  
 payment  made  by check  or other  negotiable  instrument  or direct  debit  must be drawn  on a U.S. 
bank  or a U.S. branch  of a foreign  bank.  We reserve  the right to accept  payments  made  in a foreign  
currency.  If we do, we will select  the foreign  currency  rate at our discretion.  Your  available  credit  
may not be increased  by the amount  of the payment  for up to seven  (7) days  to ensure  we 
collect  the funds  from  the bank  on which  your  payment  is drawn.  If you overpay  or if there  is 
a credit  balance  on your Account,  we will not pay interest  on such amounts.  
 
Automatic  repayment  of cash advances  through  CashConnect  
The CashConnect  feature  on your UBS credit  card Account  will automatically  repay  new Cash  
Advances  obtained  from ATMs  and financial  institutions  (CashConnect  Cash  Advances),  each night,  
with available  funds  from your UBS Resource  Management  Account  (RMA)  or your UBS Business  
Services  Account  BSA (either  referred  to as UBS Account).  The CashConnect  feature is available only 
for cardholders who have the UBS credit card connected to a RMA or Business Services Account 
BSA.  You will incur  no interest  charges   on CashConnect  Cash  Advances,  as long as there  are 
sufficient  available  funds  in your UBS Acco unt to repay  your CashConnect  Cash  Advance  transaction  
in full when  we first seek payment  from your   UBS Account.  If sufficient  available  funds  are not 
available  in your UBS Account  to pay off your CashConnect  Cash  Advances  balance  in full, then the 
APR on Cash  Advances  (as listed  in the  Account  Summary  Table)  will apply  as of the original  
transaction  date on any remaining  balance.  You will be charged  the APR on Cash  Advances  on your 
remaining  CashConnect  Cash  Advance  balance  until it is repaid  in full. Applicable  ATM surcharge  fees 
may apply.  No other  Account  balances  are  paid through  the CashConnect  feature.  The CashConnect  
feature  only applies  if you have a UBS Account.  If you have a UBS Account  and choose  not to 
participate  in the CashConnect  feature,   please  contact  UBS Financial  Services  Inc. at 800-762-1000.  
 
Interest   rate  information  
See the Account  Summary  Table  for information  on how the APRs  on your Account  are calculated.  
 
How  the penalty  APR may apply  to your  account  
The APRs  on your Account  may be increased  each time you fail to make  a payment  to us when  due, 
or you make  a payment  that is not honored  by your bank.  If we increase  the APRs  on your Account,  
we will notify  you in advance  of the increase.  Our notice  to you will include  the effective  date of the 
APR increase  and the balances  to which the  Penalty  APR will be  applied.  If the Penalty  APR is applied  
to your Account,  it may continue  to apply  indefinitely.  
 
Checks  on your  account  
We may issue Checks  on your Account  in the form of �Balance  Transfer  Checks�  or �Cash  Advance  
Checks,�  which  can be used to access  your credit  line. Each Check  will contain  your Account  number  
and may be used only by the person(s)  whose  name(s)  is/are  printed  on it. Each must be completed  
and signed  in the same  manner  as a regular  personal  check.  If we provide  Checks  to you, you may 
not use them  to pay any amount  you owe under  this Agreement  or under  any other  Account  you 
may have with us. Balance  Transfer  Checks  and Cash  Advance  Checks  are subject  to the same  rate 
and other  terms  under  this Agreement  as Balance  Transfers  and Cash  Advances,  respectively.  Unless  
otherwise  indicated,  all references  in this Agreement  to Balance  Transfers  include  Balance  Transfer  
Checks,  all references  to Cash  Advances  include  Cash  Advance  Checks,  and all references  to use of 
the Account  include  use of these  Checks.  At our sole discretion  we may elect to not honor  a Check  if 
your Account  is not in good  standing  or if the Check  may cause  your Account  to exceed  the Cash  
Advance  or other  applicable  credit  line on your Account.  At our sole discretion  we may elect to   
honor  a Check  after its expiration  date.  Unlike  purchase  transactions,  there  are very limited  dispute  
rights  with regard  to Balance  Transfer  and Check  transactions.    7  
 Personal   Identification   Number  (PIN)  
We may issue you a PIN that you can use to obtain  a Cash  Advance  at participating  ATMs,  or to 
authorize  other  transactions  at terminals  that connect  with a microchip  embedded  in your Card.  
You must  keep your PIN confidential,  and may not write  it on your Card or on any material  you keep  
with your Card.  You agree  that we may honor  each ATM or other  transaction  according  to the 
instructions  keyed  in for it at the ATM or terminal,  and you acknowledge  that each transaction  made  
using  your Card and PIN will have the same  effect,  and you will be liable,  as if it was made  by a 
written  document  signed  by you. 
 
Credit  line/authorized   usage  
Your credit  line is shown  on the folder  containing  your Card.  We may change  your revolving  credit  
line from time to time� either  increase  or decrease  it�at our sole discretion.  If at any time 
(including  in the first month  after your Account  is opened)  you engage  in Account  actions  or activity  
that we perceive  could  have a negative  impact  on your credit  standing  with us, we may decrease  your 
revolving  credit  line or close your Account.  Your latest  revolving  credit  line will appear  on your monthly  
billing  statement.  You agree  that we may change  or cancel  your revolving  credit  line or cash 
advance  limit at any time for any reason  without  affecting  your obligation  to pay amounts  that you 
owe under  this Agreement.  We will notify  you of any change,  but the change  may take effect  before  
you receive  the notice.  
Your revolving  credit  line is available  to buy or lease  goods  or services  where  the Card is honored.  
You agree  not to authorize  a Balance  Transfer,  use a Check,  or obtain  a Cash  Advance  that would  
cause  the unpaid  balance  of your Account  to exceed  your credit  line. You agree not to use a 
Balance Transfer or Cash Advance to pay any amount you owe under this Agreement or any 
other Account you may have with us.  We may honor  Purchases,  Balance  Transfers,  Checks  and/or  
Cash  Advances  in excess  of your credit  line at our sole discretion.  If we do, this Agreement  applies  to 
that excess  and you agree  to pay the excess  immediately  if we request  that you do so. We may 
designate  that only a portion  of your revolving  credit  line is available  for Cash  Advances.  If we do 
and you exceed  your line, you will be considered  to have exceeded  your credit  line for all purposes  
of this Agreement.  We may limit the authorizations  to make  Purchase,  Balance  Transfer,  Check,  or 
Cash  Advance  transactions  that may be accomplished  with your Card or Account.  Because  your 
Account  has no pre-set spending  limit, we may permit  you from time to time at our discretion  to 
make  certain  charges  that cause  your outstanding  balance  to exceed  your revolving  credit  line. 
These  charges  will be evaluated  based  on Account  performance,  other  credit  Accounts  with us, and 
your experience  with other  creditors.  If we authorize  these  charges,  you must  pay, with your 
Minimum  Payment  Due, the amount  by which  your balance  exceeds  your revolving  credit  line, 
including  amounts  due to Purchases,  Cash  Advances,  Interest  charges,  Account  Fees,  or other  
charges.  
 
Monthly  billing  statements  
At the end of each monthly  billing  cycle a statement  will be mailed  or delivered  to you if your   
Account  has a debit  or credit  balance  of more  than $1.00  or if interest  or a fee has been  imposed.  We 
will not send a monthly  billing  statement  if we deem  your Account  uncollectible  or if delinquency  
collection  proceedings  have been  instituted  by us sending  your Account  to an outside  collection  
agency  or attorney  for collection.  
 
Your  minimum  payment  each  month  
Each billing  cycle,  you must  pay at least the Minimum  Payment  Due shown  on your monthly  
statement  by its Payment  Due Date.  If the Statement  Balance  shown  on your monthly  
statement  is less than $35, your Minimum  Payment  Due (due by the Payment  Due Date)  will be 
that Statement  Balance  amount.  Otherwise,  if your Statement  Balance  is equal  to or greater  
than $35, your Minimum  Payment  Due will be the greater  of $35 or the total of (1) 2% of the 
Principal  Balance  (defined  as the total Statement  Balance  minus  any interest  charges,  Returned    8  
 Payment  Fees,  and Late Payment  Fees that are incurred  during  the current  billing  cycle),  plus (2) 
interest  charges  incurred  during  the current  billing  cycle (for this purpose,  interest  charges  
incurred  do not include  interest  charges  that accrued  during  prior billing  cycles  on a deferred  
interest  balance  (if there  are any on your Account)  that ended  during  the billing  cycle covered   
by the statement),  plus (3) any Returned  Payment  Fees and any Late Payment  Fees incurred  
during  the current  billing  cycle,  plus (4) if your Account  has an Annual  Fee and if we so elect,  a 
portion  of the amount  of the Annual  Fee (unless  you have already  paid the Annual  Fee in full), 
plus (5) if we so elect,  any amount  past due and/or  amount  over your credit  line at the time of 
billing.  In certain  instances  your Minimum  Payment  Due may be less than your total fees and 
interest  assessed  in that billing  cycle.  At any time you may pay more  than 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 required  Minimum  Payment  Due in any billing  cycle or if you 
make  more  than one payment  in a billing  cycle,  you will still need  to pay the next month�s  
required  Minimum  Payment  Due by your next Payment  Due Date.  
 
 
How  we will calculate  your  balance  subject  to interest  rate 
We use a method  called  �daily  balance  (including  new purchases)."  To determine  the amount  of the 
interest  to be charged  on your Account  we first calculate  the �Balance  Subject  to Interest  Rate�  
separately  for Purchases,  for Balance  Transfers,  and for Cash Advances.  We apply  the applicable  DPR 
to each of the applicable  daily balances  for i) Purchases,  ii) Balance  Transfers  and iii) Cash  Advances.  
The daily balances  for Purchases,  for Balance  Transfers  and for Cash  Advances  are each calculated  
separately  and determined  as follows:  We take the beginning  balances  for each transaction  type on 
your Account  each day, including  any interest  calculated  on the previous  day�s  balance,  add to the 
respective  balances  any new transaction,  subtract  any payments  or credits  and make  any other  
applicable  adjustment(s).  This Agreement  provides  for compounding  of interest.  A credit  balance  is 
treated  as a balance  of zero.  If you multiply  the �Balance  Subject  to Interest  Rate�  for each balance  
category  as shown  on your monthly  billing  statement  by the number  of days in the billing  period  and 
then multiply  each sum by the applicable  DPRs,  the results  will be the interest  assessed,  except  for 
minor  variations  caused  by rounding.  We may from time to time offer you �introductory,�  �special�  
or �promotional�  APR offers.  If any are in effect  on your Account,  we will separately  identify  the 
balances  to which  such offers  apply  on your monthly  billing  statement.  These  separate  balances  and 
the related  interest  will be calculated  in the same  manner  as described  above.  
 
For Residents  of Iowa and Puerto  Rico 
We use a method  called  �average  daily balance  (including  new purchases).�  To determine  the   
amount  of the interest  to be charged  on your Account  we first calculate  the �Balance  Subject  to 
Interest  Rate�  separately  for Purchases,  for Balance  Transfers  and for Cash  Advances.  We apply  the 
applicable  Monthly  Periodic  Rate to the average  daily balances  of i) Purchases,  ii) Balance  Transfers,   
and iii) Cash  Advances.  The average  daily balances  for Purchases,  for Balance  Transfers  and for Cash  
Advances  are calculated  separately  and determined  as follows:  We take the beginning  balances  for 
each balance  category  on your Account  each day, add to the respective  balances  any new transaction,  
subtract  any payments  or credits  and make  any other  applicable  adjustment(s).  A credit  
balance  is treated  as a balance  of zero.  Then  we take the sum of all daily balances  and divide  by the 
number  of days in the billing  period  to determine  the average  daily balance.  If you multiply  the 
�Balance  Subject  to Interest  Rate�  for each balance  category  as disclosed  on your monthly  billing  
statement  by the applicable  MPRs,  the results  will be the interest  assessed,  except  for minor  variations  
caused  by rounding.  We may from time to time offer you �introductory,�  �special�  or �promotional�  
APR offers.  If any are in effect  on your Account,  we will separately  identify  the balances  
to which  such offers  apply  on your monthly  billing  statement.  These  separate  balances  and 
the related  interest  will be calculated  in the same  manner  as described  above.    9  
 Accrual  of interest  and how  to avoid  paying  interest  on purchases  
On Purchases,  interest  begins  to accrue  as of the transaction  date.  However,  if you paid the 
Statement  Balance  that was shown  on your previous  billing  statement  by the Payment  Due Date on 
that statement,  then (1) we will not impose  interest  on Purchases  during  your current  billing  period  if 
you pay the Statement  Balance  on your current  billing  statement  by the Payment  Due Date in the 
current  billing  period,  and (2) we will credit  any payment  applied  toward  Purchases  as of the first day 
in your current  billing  period  if you make  a payment  by the Payment  Due Date in the current  billing  
period  that is less than the Statement  Balance.  If a Statement  Balance  was shown  on your previous  
billing  statement  and you did not pay the Statement  Balance  by the Payment  Due Date on that 
statement,  then we will not impose  Interest  Charges  on any Purchases  during  the current  billing  
period  if you pay the Statement  Balance  shown  on your current  billing  statement  by the Payment  
Due Date in the current  billing  period.  
For Balance  Transfers,  interest  will accrue  from the day we send the Balance  Transfer  to the payee.  
For Checks,  interest  will accrue  from the day the payee  accepts  the check.  For Cash  Advances,  
interest  will accrue  from the day you take the Cash  Advance.  
 
For residents  of Iowa and Puerto  Rico 
On Purchases,  interest  begins  to accrue  as of the date your transaction  is posted  on the Account.  
However,  if you paid the Statement  Balance  that was shown  on your previous  billing  statement  
by the Payment  Due Date on that statement,  then (1) we will not impose  interest  on Purchases  
during  your current  billing  period  if you pay the Statement  Balance  on your current  billing  statement  
by the Payment  Due Date in the current  billing  period,  and (2) we will credit  any payment  applied  
toward  Purchases  as of the first day in your current  billing  period  if you make  a payment  by the 
Payment  Due Date in the current  billing  period  that is less than the Statement  Balance.  If a Statement  
Balance  was shown  on your previous  billing  statement  and you did not pay the Statement  Balance  by 
the Payment  Due Date on that statement,  then we will not impose  Interest  Charges  on any   
Purchases  during  the current  billing  period  if you pay the Statement  Balance  shown  on your current  
billing  statement  by the Payment  Due Date in the current  billing  period.  For Balance  Transfers,   
interest  will accrue  from the day we send the Balance  Transfer  to the payee.  For Checks,  interest  will 
accrue  from the day we pay the check.  For Cash  Advances,  interest  will accrue  from the day the   
Cash  Advance  is posted  on the Account.  
 
 
Transaction    fees 
If you use your Card or Account  to obtain  a Cash  Advance,  we will charge  a Cash  Advance  Fee for 
each such Cash  Advance.  If you use your Card or Account  to do a Balance  Transfer,  we will charge  a 
Balance  Transfer  Fee for each such Balance  Transfer.  If you use your Card or Account  to purchase  
Cash  Equivalents,  we will charge  a Cash  Advance  Fee (sometimes  we may refer to this as a Cash  
Equivalent  Fee) for each such transaction.  If you use your Card or Account  for a Foreign  Transaction,  
we will charge  a Foreign  Transaction  Fee for each such transaction.  Balance  Transfer  Checks  and   
Cash  Advance  Checks  are subject  to the same  Transaction  Fee as Balance  Transfers  and Cash  
Advances,  respectively.  The present  amounts  of those  charges  are stated  in the Account  Summary  
Table.  When  you use an ATM,  you may be charged  a fee by the ATM operator  and / or any network  
used (and you may be charged  a fee for a balance  inquiry  even if you do not complete  a transaction).  
If you have an active  UBS Account  linked  to this credit  card account,  UBS Financial  Services  Inc. will 
reimburse  your U.S. domestic  ATM fees, up to $5.00 per transaction,  for an unlimited  number  of 
transactions  per year for the UBS Visa Signature  credit  card,  and up to $10.00  per transaction  for an 
unlimited  number  of transactions  per year for the UBS Visa Infinite  credit  card.  We will not  
reimburse  your international  ATM fees. We are able to rebate  ATM fees only in cases  where  the   10  
 transaction  fee surcharge  is submitted  to UBS by the ATM operator  and / or network  used.  In the 
event  that you have not received  a rebate  for a fee that you believe  is eligible,  please  call 800-762- 
1000  or collect  at 201-352-5257  for assistance.  
 
Account    fees 
In addition  to the fees listed  in the Account  Summary  Table,  we may also assess  the Account  Fees 
listed  below.  
 
Annual  fee: If your Account  has an Annual  Fee, it will be assessed  during  the first monthly  billing  
cycle and every  twelve  months  thereafter,  on the fee anniversary  month.  The amount  of the Annual  
Fee, if there  is one on your Account,  is listed  in the Account  Summary  Table.  
 
Late payment  fee: If we do not receive  a payment  from you in at least the amount  of your 
Minimum  Payment  Due by the Payment  Due Date shown  on your monthly  statement,  we may 
charge  you a Late Payment  Fee. The Late Payment  Fee will be $27, but $38 if you did not make  at 
least the Minimum  Payment  Due by the Payment  Due Date in each of the 6 prior billing  periods.  
However,  the Late Payment  Fee will never  exceed  the amount  of your required  Minimum  Payment  
Due to which  the Late Payment  Fee relates.  
 
Returned  payment  fee: If your bank  does not honor  a check  or direct  debit  you deliver  to us, or 
we must  return  a check  because  it is not signed  or is otherwise  irregular,  we may charge  you a 
Returned  Payment  Fee. The Returned  Payment  Fee will be $27, but $38 if you had a returned  
payment  in any of the 6 prior billing  periods.  However,  the Returned  Payment  Fee will never  exceed  
the amount  of your most  recent  required  Minimum  Payment  Due. 
 
Returned  check  fee: If we return  a Convenience  Check  (which  includes  a Balance  Transfer  Check  
or a Cash  Advance  Check)  unpaid  because  it exceeds  your available  credit  line at the time it is 
processed,  your Account  is closed  or otherwise  does not have charge  privileges,  you did not comply  
with our instructions  regarding  the Check,  or your Account  is past due, we may charge  you a 
Returned  Check  Fee. The Returned  Check  Fee will be $27, but $38 if you had a returned  
Convenience  Check  in any of the 6 prior billing  periods.  However,  the Returned  Check  Fee will never  
exceed  the face amount  of the returned  Convenience  Check.  
 
Foreign   currency    conversion  
We and Visa (or its affiliates)  will convert  transactions  in foreign  currencies  into U.S. dollars.  Visa will 
use its currency  conversion  procedures  that are current  at the time of the transaction.  Currently,  
Visa selects  a rate from the range  of rates available  in the wholesale  currency  markets  for the 
applicable  central  processing  date,  which  may vary from the rate Visa itself receives,  or the 
government -mandated  rate in effect  for the applicable  central  processing  date.  The currency  
conversion  rate used on the conversion  date may differ  from the rate in effect  on the date you used 
your Card or Account.  
 
Authorized  Users  
You may allow  Authorized  Users  to use your Account  and designate  a spending  limit for any 
Authorized  User.  If you allow  an Authorized  User to use your Account,  you will be liable  for all 
transactions  made  by that person  including  transactions  for which  you may not have intended  to be 
liable,  even if the amount  of those  transactions  causes  your credit  line or the spending  limit of any 
Authorized  User to be exceeded.  You must  notify  us to revoke  your permission  to allow  an 
Authorized  User to use your Account  or Card,  and you must  obtain  possession  of any Card that has   11  
 been  given  to the Authorized  User.  Until you revoke  your permission  and obtain  possession  of any 
Card,  you are responsible  for all charges  made  by Authorized  Users,  including  Balance  Transfer  
Check  and Cash  Advance  Check  transactions,  regardless  of whether  you intended  to be responsible  
for those  charges  and you must  obtain  any Card that has been  given  to the Authorized  Users.  If you 
request  additional  Cards  for Authorized  Users,  checks  accessing  this Account  may also be included  
with the Card.  
 
Authorized   Card   Manager  
If you designate,  and we accept  your designation  of, an Authorized  Card Manager  for your Account,  
you agree  that we may accept  any instructions  or requests  of the Authorized  Card Manager  regarding  
your Account,  we may accept  payments  from the Authorized  Card Manager,  and we may 
provide  any information  concerning  your Account  to the Authorized  Card Manager.  We may, 
however,  in our discretion,  refuse  any instruction  or request  from an Authorized  Card Manager.  You 
are responsible  for any action  taken  by an Authorized  Card Manager.  An Authorized  Card Manager  
may not incur new transactions  on the Account  unless  the person  is also an Authorized  User.  
 
Administrative  charges  
If you request  photocopies  of monthly  billing  statements,  you will be charged  $5 for each duplicate  
requested  for each statement  requested  that is less than 25 months  old. If the requested  statement  is 
25 months  or older  you will be charged  $10 for each requested  statement.  If you request  any special  
services  such as obtaining  Cards  on an expedited  basis,  you agree  to pay our reasonable  charges  for 
such services,  in effect  at that time.  
 
Default/collection  costs  
Unless  otherwise  prohibited  by law, your Account  will be in default  and we may demand  immediate  
payment  of the entire  amount  you owe us if: 1) in any month  we do not receive  your Minimum  
Payment  Due by the Payment  Due Date;  2) you make  Purchases,  initiate  Balance  Transfers,  use a 
Check  or obtain  Cash  Advances  in excess  of your credit  line; 3) you fail to comply  with this 
Agreement;  4) there  is a filing for your bankruptcy;  5) you die or become  incapacitated;  or 6) we 
believe  in good  faith that the payment  or performance  of your obligations  under  this Agreement  is 
impaired  for any other  reason.  As permitted  by applicable  law, you agree  to pay all collection  
expenses  actually  incurred  by us in the collection  of amounts  you owe under  this Agreement  
(including  court  or arbitration  costs  and the fees of any collection  agency  to which  we refer your 
Account)  and, in the event  we refer your Account  after your default  to an attorney  who is not our 
regularly  salaried  employee,  you agree  to pay the reasonable  fees of such attorney.  We will not be 
obligated  to honor  any attempted  use of your Account  if a default  has occurred  or we have 
determined  to terminate  your Account  or limit your Account  privileges  (as discussed  below).  
 
Termination/we  may suspend  or close  your  account  
We may suspend  or close  your  Account  or otherwise  terminate  your  right  to use your  
Account  without  prior  notice.  We may do this at any time and for any reason,  including  but not 
limited  to, if there  is a change  in your creditworthiness  or if your Account  becomes  inactive.  You 
must  return  to us (or otherwise  deactivate)  all Cards,  Checks,  other  credit  devices,  or any digital  or 
mobile  wallet  services  on the Account  when  we request.  You agree  that you will not try to make  a 
Purchase,  use a Check,  initiate  a Balance  Transfer  or obtain  a Cash  Advance  after you have been  
notified  that your privilege  to use your Account  has been  closed.  You may close  your Account  at any 
time.  If you do, you must  return  to us all Cards  and Checks  previously  issued  on the Account.  If you 
call us, we may require  that you confirm  your termination  in writing.  Your obligations  under  this 
Agreement  continue  even after the Account  is closed.   If you voluntarily close your card, you will 
be allowed 60 days following the effective date of termination of the UBS Account or Cards to 
redeem outstanding rewards  points (Points) for gift cards or merchandise. In the event we close   12  
 your Card for any reason other than inactivity, your Points will be immediately forfeited. In the 
event we close your Card due to inactivity, you will have not less than 60 days to redee m your 
Points for gift cards or merchandise. With the exceptions noted below, Points are forfeited 
immediately upon closure of the Card due to death of the cardholder. The Points may be 
reinstated to an open UBS credit card account of a spouse or domestic partner of the cardholder 
if the spouse or domestic partner requests reinstatement of the Points in writing within 90 days 
of the account closure and the remaining outstanding balance on the closed credit card account 
has been paid. The spouse or domestic partner must submit written proof of the marital or 
domestic partner status satisfactory to us. If such satisfactory written proof is not submitted 
within 30 days of the request, the Points will be permanently and irrevocably forfeited.  
 
Notices  to you 
Billing statements  and notices  will be sent to the address  shown  in our files. If this is a joint Account,  
we may send billing  statements  and notices  to either  of you. You promise  to inform  us promptly  of 
any change  in your e-mail address  or your U.S. mail address  by calling  us at 800-762-1000.  Or, you 
may contact  your Financial  Advisor  for this request.  
 
Skip payment  program  and other  special  terms  
From  time to time,  we may let you skip or reduce  one or more  monthly  payments  during  a year 
(interest  will continue  to accrue)  or offer you other  special  features.  If we do, we will advise  you of 
the scope  and duration  of the applicable  skip or special  feature.  When  the skip or special  feature  
ends,  your regular  terms  will resume.  
 
Changes  to this agreement  
We can change  this Agreement,  including  the annual  percentage  rate and any fees,  as 
permitted  by applicable  law. These  changes  may include  the addition  or deletion  of 
provisions  relating  to your  Account  or to the nature,  extent,  and enforcement  of the rights  
and obligations  you or we may have  under  this Agreement.  We will notify  you of any 
change  to the extent  required  by law. Any change,  including  any increase  or decrease  in 
your  APRs,  will become  effective  at the time  stated  in our notice  and will apply  to those  
balances,  including  new transactions,  on your  Account  as described  in our notice.  
 
Credit  information  
You agree  that we may request  consumer  credit  reports  from  one or more  credit  reporting  
agencies  in connection  with  your  application  and the review,  administration  and collection  
of your  Account.  You also authorize  us to exchange  credit  information  concerning  you or your 
Account  or any Authorized  Users  with (and answer  questions  and requests  from)  others,  such as 
merchants,  other  lenders  and credit  reporting  agencies.  We may report  information  about  your 
Account  to credit  bureaus.  Late payments,  missed  payments,  or other  defaults  on your Account  may 
be reflected  in your credit  report.  If you believe  that an entry  we have made  on your credit  report  or 
the credit  report  of any Authorized  User is inaccurate  or incomplete,  please  contact  the credit  bureau  
directly  or contact  us at UBS Bank  USA,  Card Operations,  315 Deaderick Street, 5th Floor, Nashville, 
TN 37238 . We will request  your name  and/or  the name  of the Authorized  User;  your Account  
number;  the credit  bureau  where  you or the Authorized  User received  the credit  report;  a description  
of the error;  and why you believe  it is an error.  We will promptly  investigate,  then notify  you or  the 
Authorized  User of our findings,  and send an update  to the credit  bureaus  if warranted  within  30  
days.  
 
Phone  calls/electronic  communications  
In the regular  course  of our business,  for quality  control  and archival  purposes,  we may monitor  and 
record  phone  conversations  made  or received  by our employees  or our agents.  Similarly,  we may 
monitor  and record  e-mail or conversations  on our website  between  you and our employees  or   13  
 agents.  You agree  that we will have such right with respect  to all phone  conversations,  e-mail or 
conversations  between  you and our employees  or agents,  whether  initiated  by you or any of our 
employees  or agents.  You also agree  that in connection  with our collection  (whether  by us or by any 
agent  of ours)  of any amounts  owed  on the Account  that: 1) telephone  calls, from us or on our 
behalf,  may be made:  (a) to the telephone  number(s)  that you provided  on the Account  Application:  
(b) to any other  telephone  number(s)  that you later provide  to us, and/or  (c) to any telephone  
number(s)  that we are permitted  by law to use to contact  you; 2) these  calls may be sent using  
automatic  dialing  equipment  and/or  include  prerecorded  messages;  3) other  communications,  
including  mobile  text messages,  may be sent to the same  telephone  number(s)  (technology  
permitting);  4) you may be charged  by your service  provider  for these  calls in accordance  with your 
service  plan between  you and your current  telephone  provider,  but we pay any charges  for sending  
text messages  to you; 5) these  calls and/or  messages  are not �unsolicited�  calls for purposes  of 
applicable  law; and 6) except  to the extent  prohibited  by applicable  law, other  communications,  
including,  but not limited  to, fax or telecopier,  Internet,  U.S. mail, and non-mobile  e-mail messages,  
may be sent to you. 
 
Refusal  to honor  card 
We are not responsible  for refusals  to honor  your Card or Checks.  And, except  as otherwise  required  
by applicable  law or regulation,  we will not be responsible  for merchandise  or services  purchased  or 
leased  through  use of your Account.  
 
Irregular  payments  and delay  in enforcement  
We can accept  late payments,  partial  payments,  checks  and money  orders  marked  �Paid  in Full� or 
language  having  the same  effect  without  losing  any of our rights  under  this Agreement,  and such 
payments  may be sent only to the following  address:  UBS Bank  USA�Card  Services,  P.O. Box 
203219,  Dallas,  TX 75320 -3210.  We can also delay  enforcing  our rights  under  this Agreement  any 
number  of times  without  losing  them.  The fact that we may at any time honor  a Purchase,  Check,  
Balance  Transfer  or Cash  Advance  in excess  of your maximum  credit  line does not obligate  us to do 
so again.  
 
Our rights  continue  
Our failure  or delay  in exercising  any of our rights  under  this Agreement  does not mean  that we are 
unable  to exercise  those  rights  later.  
 
Payment  allocation  
Subject  to any mandatory  provisions  of applicable  law, in most  instances,  we will allocate  any   
amount  over your minimum  payment  to the highest  APR balances  first. Payments  up to the minimum  
payment  will be applied  at our discretion,  including  to lower  APR balances  first. 
 
Liability  for unauthorized  use of your  Account  
If you notice  the loss or theft or your credit  card or a possible  unauthorized  use of your card,  you 
should  write  to us immediately  at the address  listed  on your bill, or call us at 800-762-1000.  If you 
believe  your digital  or mobile  wallet  service  or the information  entered  into it to permit  you to use 
such digital  or mobile  wallet  service  has been  lost or stolen  or wrongfully  appropriated  or used,  
please  call us at the same  number  above  to report  the loss or theft.  You will not be liable  for any 
unauthorized  use that occurs  after you notify  us. You may, however,  be liable  for unauthorized  use 
that occurs  before  your notice  to us. In any case,  your liability  will not exceed  $50. 
 
Right  to assets  at affiliates  
In case of any default  by you, we may request  liquidation  of, or encumber  or hold,  assets  at 
any of our affiliates,  in order  to pay off any balance  on your  Account.    14  
 Governing   law 
This Agreement,  your Account,  and the relationship  between  you and us will be governed  by federal  
law and, to the extent  that state law is applicable,  the laws of the state of Utah,  where  we are located.  
For any individual  (including  an individual  acting  as trustee  of a trust)  residing  in or located   
in any country  in the European  Economic  Area : You represent  and warrant  that you do not intend  
to use any part of this credit  line, and will not now or in the future  use any part of this credit  line, for 
the acquiring  or retaining  of property  rights  in land or in an existing  or projected  building,  or for the 
renovation  of residential  property.  
 
Inquiries  or questions  
You may address  any inquiries  or questions  which  you have about  your Account  to UBS Bank  USA by 
calling  us at 800-762-1000  or by writing  to us at UBS Bank  USA� Card Operations,  315 Deaderick 
Street, 5th Floor, Nashville, TN 37238 . If you telephone  us instead  of writing,  you may lose certain  
rights  the law gives  you to dispute  billing  errors  (see Your Billing  Rights).  
 
Military  Lending  Act 
If you are a covered  borrower  as defined  under  the Military  Lending  Act or you are a 
dependent  of a covered  member  as defined  under  the Military  Lending  Act, the following  
disclosure  is applicable  to you: 
Federal  law provides  important  protections  to members  of the Armed  Forces  and their dependents  
relating  to extensions  of consumer  credit.  In general,  the cost of consumer  credit  to a member  of the 
Armed  Forces  and his or her dependent  may not exceed  an annual  percentage  rate of 36 percent.  
This rate must  include,  as applicable  to the credit  transaction  or account:  The costs  associated  with 
credit  insurance  premiums;  fees for ancillary  products  sold in connection  with the credit  transaction;  
any application  fee charged  (other  than certain  application  fees for specified  credit  transactions  or 
accounts);  and any participation  fee charged  (other  than certain  participation  fees for a credit  card 
account).  
For important  information  and disclosures  regarding  the Military  Lending  Act you may call 1-800- 
762-1000.  
 
Arbitration  
Subject  to the last paragraph  of this section,  at the election  of either  you or us, any claim,  dispute  or 
controversy  (Claim)  by either  you or us against  the other,  or against  the employees,  agents  or assigns  of 
the other,  arising  from or relating  in any way to this Agreement  or your Account,  or any transaction  on 
your Account  including  (without  limitation)  Claims  based  on contract,  tort (including  intentional  torts),  
fraud,  agency,  negligence,   statutory  or regulatory  provisions  or any other  source  of law and (except  as 
specifically  provided  in this Agreement)  Claims  regarding  the applicability  of this arbitration  clause  or the 
validity  of the entire  Agreement,  shall be resolved  exclusively  and finally  by binding  arbitration  under  the 
rules and procedures  of the arbitration  Administrator  selected  at the time the Claim  is filed.  The 
Administrator  selection  process  is set forth  below.  For purposes  of this provision,  �you�  includes  any 
authorized   user on the Account,  and any of your agents,  beneficiaries  or assigns;  and �we�  or �us� 
includes  our employees,  parents,  subsidiaries,  affiliates,  beneficiaries,  agents  and assigns,  and to the 
extent  included  in a proceeding  in which  UBS Bank  USA is a party,  its service  providers  and marketing  
partners.  Claims  made  and remedies  sought  as part of a class action,  private  attorney  general  or other  
representative  action  (hereafter  all included  in the term class action)  are subject  to arbitration  on an 
individual  basis,  not on a class or representative  basis.  
 
Alternatively,  you and we may pursue  a Claim  within  the jurisdiction  of a small  claims  court,  
provided  that the action  remains  in that court,  is made  on behalf  of or against  you only and is not 
made  part of a class action,  private  attorney  general  action  or other  representative  or collective  action.  
Further,  you and we agree  not to seek to enforce  this arbitration  provision,  or otherwise  commence    15  
 arbitration  based  on the same  claims  in any action  brought  before  the small  claims  court.   The party  
initiating  arbitration  shall utilize  the American  Arbitration  Association,  adr.org,  1633   Broadway,  10th 
Floor,  New York,  New York 10019,  800-778-7879,  to administer  the arbitration   (the Administrator).  
The Administrator  provides  information  about  arbitration,  its arbitration  rules and procedures,  fee 
schedule  and claims  forms  at its website or by mail as set forth  above.  The Administrator  will apply  
the rules and procedures  in effect  at the time the arbitration  is filed.  The Claim  will be heard  before  a 
single  arbitrator,  whose  authority  is limited  exclusively  to the resolution   of Claims  between  you and us 
and to providing  an award  effective  only on behalf  of you and/or  us. 
 
The arbitration  will not be consolidated  with any other  arbitration  proceedings.  The Administrator   
shall resolve  each dispute  in accordance  with applicable  law. If you commence  arbitration,  you must  
provide  us the notice  required  by the Administrator�s  rules and procedures.  The notice  may be sent to 
us at UBS Bank USA Card Operations,  315 Deaderick Street, 5th Floor, Nashville, TN 37238 . If we 
commence  arbitration,  we will provide  you notice  at your last known  billing  address.  We agree  to 
honor  your request  to remove  the action  to a small  claims  court,  provided  that we receive  the 
request  within  thirty  days of the notice  of commencement  of arbitration.  Any arbitration  hearing  at 
which  you appear  will take place  at a location  within  the federal  judicial  district  that includes  your 
billing  address  at the time the Claim  is filed.  This arbitration  agreement  is made  pursuant  to a 
transaction  involving  interstate  commerce,  and shall be governed  by the Federal  Arbitration  Act, 9 
U.S.C.  �� 1-16. Judgment  upon  any arbitration  award  may be entered  in any court  having  jurisdiction.  
No class  actions  or joinder  or consolidation  of any Claim  with  a Claim  of any other  person  or 
entity  shall  be allowable  in arbitration,  without  the written  consent  of both   you and us. In 
the event  that there  is a dispute  about  whether  limiting  arbitration  of the parties�  dispute  to non-class 
proceedings  is enforceable  under  applicable  law, then that question  
shall be resolved  by litigation  in a court  rather  than by the arbitrator;  and to the extent  it is determined  
that resolution  of a Claim  shall proceed  on a class basis,  it shall so proceed  in a court  of competent  
jurisdiction  rather  than in arbitration.  We will pay, or reimburse  you for, all fees or costs  to the extent  
required  by law or the rules of the arbitration  Administrator.  Whether  or not required  
by law or such rules,  if you prevail  at arbitration  on any Claim  against  us, we will reimburse  you for 
any fees paid to the Administrator  in connection  with the arbitration  proceedings.  In addition,  in any 
arbitration  that you elect to file that could  be heard  in small  claims  court  in your jurisdiction,  we will 
pay the filing fees and other  arbitration  fees above  the cost of filing in that small  claims  court.  If you 
are required  to advance  any fees or costs  to the arbitration  Administrator,  but you ask us to do so in 
your stead,  we will consider  and respond  to your request.  This arbitration  agreement  applies  to all 
Claims  now in existence  or that may arise in the future  except  for Claims  by or against  any unaffiliated  
third party  to whom  ownership  of your Account  may be assigned,  in which  case this arbitration  
agreement  will apply  only if you or the third party  chose  arbitration.  This arbitration  agreement    
survives  the termination  of the Cardmember  Agreement  or the Account  relationship,   including  your 
payment  in full, and your filing of bankruptcy.  Nothing  in this Agreement  shall be construed  to prevent  
any party�s  use of (or advancement  of any claims,  defenses,  or offsets  in)  bankruptcy  or repossession,  
replevin,  judicial  foreclosure  or any other  prejudgment  or provisional   remedy  relating  to any collateral,  
security  or property  interests  for contractual  debts  now or hereafter  owed  by either  party  to the other  
under  this Agreement.  
 
ARBITRATION  WITH  RESPECT  TO A CLAIM  IS BINDING  AND NEITHER  YOU NOR WE WILL HAVE  THE 
RIGHT  TO LITIGATE  THAT  CLAIM  THROUGH  A COURT.  IN ARBITRATION  YOU AND WE WILL NOT 
HAVE  THE RIGHTS  THAT  ARE PROVIDED  IN COURT  INCLUDING  THE RIGHT  TO A TRIAL  BY JUDGE  OR 
JURY  AND THE RIGHT  TO PARTICIPATE  OR BE REPRESENTED  IN PROCEEDINGS  BROUGHT  BY OTHERS  
SUCH  AS CLASS  ACTIONS  OR SIMILAR  PROCEEDINGS.  IN ADDITION,  THE RIGHT  TO 
DISCOVERY  AND THE RIGHT  TO APPEAL  ARE ALSO  LIMITED  OR ELIMINATED  BY ARBITRATION.  ALL OF 
THESE  RIGHTS  ARE WAIVED  AND ALL CLAIMS  MUST  BE RESOLVED  THROUGH  ARBITRATION.    16  
 If at the time you open  this Account  you are a covered  borrower  under  the Military  Lending  Act or 
you are a dependent  of a covered  member  as the terms  "covered  member"  and "dependent"  are 
defined  in the Military  Lending  Act and its implementing  regulations,  then this entire  section  titled  
�Arbitration�  is not applicable  to your Account.  
 
YOUR  BILLING  RIGHTS  
 
Your  billing  rights:  keep  this document  for future  use 
 
This notice  tells you about  your rights  and our responsibilities  under  the Fair Credit  Billing  Act. 
 
What  to do if you find a mistake  on your  statement  
If you think  there  is an error on your statement,  write  to us at: UBS 
Bank  USA� Card Operations  
315 Deaderick Street, 5th Floor,  
Nashville, TN 37238  
In your letter,  give us the following  information:  
� Account  information:  Your name  and Account  number.  
� Dollar  amount:  The dollar  amount  of the suspected  error.  
� Description  of problem:  If you think  there  is an error on your bill, describe  what  you believe  is 
wrong  and why you believe  it is a mistake.  
You must  contact  us: 
� Within  60 days after the error appeared  on your statement.  
� At least 3 business  days before  an automated  payment  is scheduled,  if you want  to stop payment  
on the amount  you think  is wrong.  
 
You must  notify  us of any potential  errors  in writing . You may call us, but if you do we are not 
required  to investigate  any potential  errors  and you may have to pay the amount  in question.  
 
What  will happen  after  we receive  your  letter  
 
When  we receive  your letter,  we must  do two things:  
1. Within  30 days of receiving  your letter,  we must tell you that we received  your letter.  We will also 
tell you if we have already  corrected  the error.  
2. Within  90 days of receiving  your letter,  we must either  correct  the error or explain  to you why we 
believe  the bill is correct.  
 
While  we investigate  whether  or not there  has been  an error:  
� We cannot  try to collect  the amount  in question,  or report  you as delinquent  on that amount.  
� The charge  in question  may remain  on your statement,  and we may continue  to charge  you 
interest  on that amount.  
� While  you do not have to pay the amount  in question,  you are responsible  for the remainder  of 
your balance.  
� We can apply  any unpaid  amount  against  your credit  limit. 
 
After  we finish  our investigation,  one of two things  will happen:  
� If we made  a mistake:  You will not have to pay the amount  in question  or any interest  or other  
fees related  to that amount.  
� If we do not believe  there  was a mistake:  You will have to pay the amount  in question,  along  
with applicable  interest  and fees. We will send you a statement  of the amount  you owe and the date   17  
 payment  is due. We may then report  you as delinquent  if you do not pay the amount  we think  you 
owe.  
 
If you receive  our explanation  but still believe  your bill is wrong,  you must  write  to us within  10 days  
telling  us that you still refuse  to pay. If you do so, we cannot  report  you as delinquent  without  also 
reporting  that you are questioning  your bill. We must  tell you the name  of anyone  to whom  we 
reported  you as delinquent,  and we must  let those  organizations  know  when  the matter  has been  
settled  between  us. 
 
If we do not follow  all of the rules above,  you do not have to pay the first $50 of the amount  you 
question  even if your bill is correct.  
 
Your  rights  if you are dissatisfied  with  your  credit  card purchases  
 
If you are dissatisfied  with the goods  or services  that you have purchased  with your credit  card and you 
have tried in good  faith to correct  the problem  with the merchant,  you may have the right not to pay 
the remaining  amount  due on the purchase.  
 
To use this right,  all of the following  must  be true: 
1. The purchase  must  have been  made  in your home  state or within  100 miles  of your current  
mailing  address,  and the purchase  price must  have been  more  than $50. (Note:  Neither  of these  are 
necessary  if your purchase  was based  on an advertisement  we mailed  to you, or if we own the 
company  that sold you the goods  or services.)  
2. You must  have used your credit  card for the purchase.  Purchases  made  with cash advances  from  
an ATM or with a check  that accesses  your credit  card Account  do not qualify.  
3. You must  not yet have fully paid for the purchase.  
 
If all of the criteria  above  are met and you are still dissatisfied  with the purchase,  contact  us in 
writing  at: 
UBS Bank  USA � Disputes  
P.O. Box 84040  
Columbus,  GA 31993 -9982  
 
While  we investigate,  the same  rules apply  to the disputed  amount  as discussed  above.  After  we 
finish  our investigation,  we will tell you our decision.  At that point,  if we think  you owe an amount  
and you do not pay, we may report  you as delinquent.  
 
The Resource Management Account (RMA) and Business Services Account BSA are brokerage accounts with UBS 
Financial Services Inc., a registered broker -dealer and a Member of the Securities Investor Protection Corporation 
(SIPC), which protects securities cus tomers of its members up to $500,000 (including $250,000 for claims for cash). 
An explanatory brochure is available upon request or at sipc.org. The Resource Management Account (RMA) and 
Business Services Account BSA provides access to banking services and  products through arrangements with affiliated 
banks and other third -party banks, and provides access to insurance and annuity products issued by unaffiliated third -
party insurance companies through insurance agency subsidiaries of UBS Financial Services I nc.  
 
Investment, insurance and annuity products: Not FDIC insured � No bank guarantee � May lose value  
 
UBS Visa Signature credit cards and UBS Visa Infinite credit cards are issued by UBS Bank USA with permission from 
Visa U.S.A. Inc.  
 
� UBS 2022 . The key symbol and UBS are among the registered and unregistered trademarks of UBS.   RMA, Resource 
Management Account and Business Services Account BSA are registered service marks of UBS Financial Services Inc. 
VISA, VISA SIGNATURE and VISA INFINITE are  trademarks and registered trademarks owned by Visa International 
Service Association and used under license.   All other trademarks are the property of their respective owners. All 
rights reserve d. 
2020-42039