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 

APR for Cash Advances 

  22.49% 

After that, your APR will be 15.49%.  This APR will vary with the 
market based on the Prime Rate. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

  29.49% 

Paying Interest 

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. 

  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. 

• 

Foreign Transaction 

Penalty Fees: 

3% 
This fee does not apply to residents of Iowa and Puerto Rico. 

• 

Late Payment 

  Up to $38 

•  Over-the-Credit-Line 

$0 

• 

Returned  Payment 

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. 

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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%). 

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