UBS Visa Signature Credit Card Terms & Conditions




Card Program Level UBS Preferred Visa Signature credit card UBS Visa Signature credit card
Annual Percentage Rate (APR) for Purchases

13.24%

This APR will vary with the market based on the Prime Rate
APR for Balance Transfers 9.99% introductory APR for six billing cycles
After that, your APR will be 13.24%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 21.99%
This APR will vary with the market based on the Prime Rate
Penalty APR and When it Applies 27.24%
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.

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 Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.




Card Program Level UBS Preferred Visa Signature credit card UBS Visa Signature credit card
Annual Fees

$495

$0
Transaction Fees:
• Balance Transfer
• Cash Advance 		 
Either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee: $250)
Either $10 or 3% of the amount of each advance, whichever is greater.
Foreign Transaction $0 3% of each transaction in U.S. dollars.
Penalty Fees:
• Late Payment
• Over-the-Credit-Line
• Returned Payment 		 
Up to $35
$0
Up to $35
How we will calculate your balance: We use a method called "daily balance (including new purchases)."

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 included in the account opening disclosures.

Scroll down for more important information about your account.


(For Residents of Iowa and Puerto Rico Only)



Card Program Level UBS Preferred Visa Signature credit card UBS Visa Signature credit card
Annual Percentage Rate (APR) for Purchases

13.24%

This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 9.99% introductory APR for six billing cycles
After that, your APR will be 13.24%. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 21.99%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 27.24%
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.

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 posting date.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.




Card Program Level UBS Preferred Visa Signature credit card UBS Visa Signature credit card
Annual Fees

$495

$0
Transaction Fees:
• Balance Transfer
• Cash Advance 		 
Either $2 or 2% of the amount of each transfer, whichever is greater (maximum fee: $10)
Either $2 or 2% of the amount of each advance, whichever is greater (maximum fee: $10)
Foreign Transaction $0
Penalty Fees
• Late Payment
• Over-the-Credit Line
• Returned Payment 		 
Up to $15
$0
Up to $15
How we will calculate your balance: We use a method called "average daily balance (including new purchases)."

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 included in the account opening disclosures.

ubs.com/fs
110325-2860-016

UBS Financial Services Inc. is a subsidiary of UBS AG.

Visa Signature is a registered service mark of Visa International. UBS Visa Signature credit cards are issued and administered by UBS Bank USA with permission from Visa U.S.A. Incorporated.

© 2011 UBS Financial Services Inc. All rights reserved. Member SIPC.