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 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% ).