UBS Visa Signature 
Credit Card Account

Summary table

Interest rates and interest changes

Annual Percentage Rate 
(APR) for purchases

16.99%

APR for balance transfers

0% introductory APR for twelve billing cycles for balance transfers within 90 days 
of account opening.

This APR will vary with the market based on the Prime Rate.

After that, your APR will be 16.99%. This APR will vary with the market based 
on the Prime Rate.

APR for cash advances

23.99%

Penalty APR and when 
it applies

This APR will vary with the market based on the Prime Rate.

29.99%

This APR may be applied to your account if you:
1. Make a late payment; or
2. Make a payment that is returned

Paying interest

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.

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.

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Fees

Annual fee

Transaction fees
–  Balance transfer
–  Cash advance

$0

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. For residents of Iowa and Puerto Rico only, the balance transfer fee and 
cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, 
whichever is greater (maximum fee is $10).

–  Foreign transaction

3%

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.

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 July 2018. The DPR for your Introductory 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 
0.0465% (which corresponds to an APR of 16.99%). The DPR for Balance Transfers would have been 0.0465% (which 
corresponds to an APR of 16.99%). The DPR for Cash Advances would have been 0.0657% (which corresponds to an APR 
of 23.99%). The Penalty APR established by the variable rate formula above would have been a DPR of up to 0.0822% 
(which corresponds to an APR of up to 29.99%). Maximum Penalty APR is 29.99% (daily periodic rate 0.0822%).

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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 July 2018. The MPR for your Introductory Rate during the introductory period would 
have been 0.0000% (which corresponds to an introductory APR of 0.00%). The MPR for Purchases would have been 
1.4158% (which corresponds to an APR of 16.99%). The MPR for Balance Transfers would have been 1.4158% (which 
corresponds to an APR of 16.99%). The MPR for Cash Advances would have been 1.9992% (which corresponds to 
an APR of 23.99%). The Penalty APR established by the variable rate formula above would have been a MPR of up to 
2.4992% (which corresponds to an APR of up to 29.99%). Maximum Penalty APR is 29.99% (MPR 2.4992%).

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 

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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.

“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.

“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 Equivalent 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.

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“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 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 Account 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.

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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.

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—in 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. 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 

6 

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 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 

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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. 

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 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.

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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 six 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 six 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 rate 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 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.

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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 
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 redeem 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.

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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, 1000 Harbor Boulevard, 6th floor, Weehawken, NJ 07086. 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 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 

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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 as 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.

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 that 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, 1000 Harbor Boulevard, 6th floor, Weehawken, 
NJ 07086. 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 800-762-1000.

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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 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 web site 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, 1000 Harbor 
Boulevard, 6th floor, Weehawken, NJ 07086. 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, 

13 

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.

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
1000 Harbor Boulevard, 6th floor 
Weehawken, NJ 07086 

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 three 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.

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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 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.

© UBS 2018. The key symbol and UBS are among the registered and unregistered trademarks of UBS. VISA, VISA SIGNATURE and VISA INFINITE are 
registered trademarks owned by Visa International Service Association and used under license. UBS Visa Signature and UBS Visa Infinite credit cards 
are issued by UBS Bank USA with permission from Visa U.S.A. Inc. Other marks are trademarks of the respective owners. All rights reserved. UBS Bank 
USA is a subsidiary of UBS AG. The RMA and Business Services Account BSA are brokerage accounts with UBS Financial Services Inc. RMA, Resource 
Management Account and Business Services Account BSA are registered service marks of UBS Financial Services Inc.

ubs.com/fs
2018-72202

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