Banking packages and individual products

Transcription

1 a b Banking packages and individual Services and prices for private clients, valid from January 1, 2016

2 Page UBS Generation 2 UBS Campus 3 UBS Young Professional 4 UBS Individual 5 UBS Family 6 UBS Personal Account 8 UBS Personal Account EUR 9 UBS Personal Account 60plus 10 UBS Current Account for Private Clients 11 investing UBS Savings Account for Young People 12 UBS Savings Account 13 UBS Investment Fund Account 14 UBS Time Deposit Account 15 provision UBS Fisca Account (Restricted Retirement Account 3a) 16 UBS Unrestricted Retirement Account 3b 17 UBS Vested Benefits Account 18 UBS e-banking/ubs Mobile Banking app 20 UBS Paymit app 20 Bonus program UBS KeyClub 21 Prices/information Prices for payment services 22 Prices for card and cash services 24 Prices for special services investing provision 1

3 UBS Generation the banking package for young people For young people aged 12 to 22. Parental consent is required for individuals under the age of 15 Description Package price Free banking package for young people, including the most important and services for payment, savings and retirement planning. Free membership of the UBS KeyClub bonus program CHF Free of charge Additional benefits: Welcome gift of CHF 40 in the form of KeyClub points CHF 25 in the form of KeyClub points per referral of a new client with conclusion of a banking package for young people or students Scope of package Conditions and additional information Included in the package free of charge: UBS Personal Account Generation 1 (only one account per client) UBS Savings Account for Young People 1 (more than one possible) UBS Debit Card 1 (V PAY or Maestro; owner card) for free cash withdrawals in CHF within Switzerland at all UBS Bancomats and ATMs of other banks UBS Prepaid Card and/or UBS Credit Cards (Classic/Standard, Special Edition) 2 in CHF (minimum age: 12 for prepaid card, 18 for credit cards) UBS Online Services, see page 20 Payments in CHF in Switzerland from a UBS Personal Account Generation with UBS e-banking/ UBS Mobile Banking, UBS Multimat, LSV + (direct debit), UBS easy and UBS Standing Order Membership of UBS KeyClub bonus program with attractive offers Also available: UBS Investment Fund Account at preferential conditions, see page 14 UBS Fisca Account, see page 16 UBS Personal Account Generation, see UBS Personal Account on page 8, with the following exceptions: Interest rate: preferential interest rate on UBS Personal Account Generation Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period 3, 4 Shipping costs/third-party charges: no shipping costs. Other third-party costs will be charged UBS Savings Account for Young People, see page 12 The annual fee for the UBS Debit Card, UBS Prepaid Card and/or UBS Credit Cards is included in the package price and is therefore free of charge The prices on page 22 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 8 onward apply Automatic conversion into the Banking Package UBS Young Professional (see page 4) on the account holder s 22 nd birthday investing provision Additional services 2 Check-up, e.g. when you begin your commercial apprenticeship/secondary school or when you start your career young magazine containing news and current offers ubs.com/generation 1 These are required components of the banking package. 2 Subject to fulfillment of issuing criteria and acceptance of card application. 3 No notice period necessary for transfers to a UBS Fisca Account, UBS Unrestricted Retirement Account 3b, UBS Investment Fund Account or UBS Time Deposit Account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS or for interest or amortization payments on UBS Mortgages. 4 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.

4 Description Package price UBS Campus the banking package for students For full-time or part-time students in tertiary education as defined by the Swiss education system and PhD students aged 18 to 30 enrolled in a course of education of at least two years duration Free banking package for students and doctoral students, including the most important and services for payment, savings and retirement planning. Free membership of the UBS KeyClub bonus program CHF Free of charge Additional benefits: Welcome gift of CHF 40 in the form of KeyClub points CHF 25 in the form of KeyClub points per referral of a new client with conclusion of a banking package for young people or students Scope of package Conditions and additional information Included in the package free of charge: UBS Personal Account Campus 1 (only one account per client) UBS Savings Account for Young People 1 (more than one possible) UBS Debit Card 1 (V PAY or Maestro; owner card) for free cash withdrawals in CHF within Switzerland at all UBS Bancomats and ATMs of other banks UBS Credit Cards (Classic/Standard, Special Edition) 2 and/or UBS Prepaid Card in CHF UBS Online Services, see page 20 Payments in CHF in Switzerland from a UBS Personal Account Campus with UBS e-banking/ UBS Mobile Banking, UBS Multimat, LSV + (direct debit), UBS easy and UBS Standing Order Membership of UBS KeyClub bonus program with attractive offers Also available: UBS Investment Fund Account at preferential conditions, see page 14 UBS Fisca Account, see page 16 UBS Personal Account Campus, see UBS Personal Account on page 8, with the following exceptions: Interest rate: preferential interest rate on UBS Personal Account Campus Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period 3, 4 Shipping costs/third-party charges: no shipping costs. Other third-party costs will be charged UBS Savings Account for Young People, see page 12 The annual fee for the UBS Debit Card, UBS Credit Cards and/or the UBS Prepaid Card is included in the package price and is therefore free of charge The prices on page 22 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 8 onward apply The package for students and post-graduates can be extended after a period of two years if the account holder continues in his/her course of studies. It is automatically converted into the Banking Package UBS Young Professional (see page 4) after studies end or no later than when the account holder turns 30 investing provision Additional services Check-up, e.g. when you begin your studies or when you start your career young magazine containing news and current offers 3 ubs.com/campus 1 These are required components of the banking package. 2 Subject to fulfillment of issuing criteria and acceptance of card application. 3 No notice period necessary for transfers to a UBS Fisca Account, UBS Unrestricted Retirement Account 3b, UBS Investment Fund Account or UBS Time Deposit Account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS or for interest or amortization payments on UBS Mortgages. 4 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.

5 UBS Young Professional the banking package for young professionals For young professionals aged 22 to 24 and recent graduates 5 up to age 32 for a maximum of 2 years Description Package price Scope of package Conditions and additional information Banking package for young professionals and recent graduates, including the most important and services for payment, savings and retirement planning for an attractive all-in fee. Free membership of the UBS KeyClub bonus program CHF Price per month (payments can also be made using UBS KeyClub points): CHF 6 6 for total assets 7 from CHF 5,000 or by switching to e-documents Otherwise CHF 8 6 Special offer in 1 st year: Free of charge for new clients or existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro Additional benefit: Welcome gift of CHF 40 in the form of KeyClub points Included in the package: UBS Personal Account in CHF 8 (only one account per client) UBS Savings Account in CHF 8 (more than one possible) UBS Fisca Account (more than one possible) UBS Debit Card 8 (V PAY or Maestro; owner card) for free cash withdrawals in CHF from your UBS Personal Account within Switzerland at all UBS Bancomats and ATMs of other banks UBS Credit Cards (Classic/Standard, Special Edition, Charity Card) 6, 8, 9 and/or UBS Prepaid Card 8 in CHF UBS Online Services, see page 20 Payments in CHF in Switzerland from a UBS Personal Account with UBS e-banking/ubs Mobile Banking, UBS Multimat, LSV + (direct debit), UBS easy and UBS Standing Order Membership of UBS KeyClub bonus program with attractive offers Also available: UBS Investment Fund Account at preferential conditions, see page 14 UBS Personal Account, see page 8 UBS Savings Account, see page 13 UBS Fisca Account, see page 16 Shipping costs/third-party charges will be passed on The annual fee for the UBS Debit Card, UBS Credit Cards and/or the UBS Prepaid Card is included in the package price The prices on page 22 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 8 onward apply Automatic conversion into the Banking Package UBS Individual (see page 5) on the account holder s 24 th birthday (for non-students) or two years after the end of studies or no later than when the account holder turns 32 (for recent graduates) investing provision Additional services Advice on matters such as starting a career, achieving savings targets and asset optimization UBS magazine containing news and current offers 4 ubs.com/youngpro 5 Studies must have ended within the last two years. 6 Other options: UBS Gold Credit Card (CHF 8 extra per month) or UBS Platinum Credit Card (CHF 30 extra per month). No extra charge in the first year for new clients or for existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro. 7 Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the lower package price to apply, total assets must be at least CHF 10,000 for the entire previous month (exception: with the banking package for young professionals at least CHF 5,000). 8 These are required components of the banking package. 9 Subject to fulfillment of issuing criteria and acceptance of card application.

6 UBS Individual the banking package for individuals For people aged 24 and above Description Package price Banking package for individuals, including the most important and services for payment, savings and retirement planning for an attractive all-in fee. Free membership of the UBS KeyClub bonus program CHF Price per month (payments can also be made using UBS KeyClub points): CHF 10 6 for total assets 7 from CHF 10,000 or with a building financing or a mortgage at UBS or CHF 15 6 by switching to e-documents Otherwise CHF 20 6 Special offer in 1 st year: Free of charge for new clients or existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro Scope of package Conditions and additional information Included in the package: UBS Personal Account in CHF 8 or UBS Personal Account 60plus 8 (only one account per client) UBS Savings Account in CHF 8 (more than one possible) UBS Fisca Account (more than one possible) UBS Debit Card 8 (V PAY or Maestro; owner card) for free cash withdrawals in CHF from your UBS Personal Account or your UBS Personal Account 60plus within Switzerland at all UBS Bancomats and ATMs of other banks UBS Credit Cards (Classic/Standard, Special Edition, Charity Card) 6, 8, 9 and/or UBS Prepaid Card 8 in CHF UBS Online Services, see page 20 Payments in CHF in Switzerland from a UBS Personal Account or a UBS Personal Account 60plus with UBS e-banking/ubs Mobile Banking, UBS Multimat, LSV + (direct debit), UBS easy and UBS Standing Order Membership of UBS KeyClub bonus program with attractive offers UBS Personal Account, see page 8 UBS Personal Account 60plus, see page 10 UBS Savings Account, see page 13 UBS Fisca Account, see page 16 Shipping costs/third-party charges will be passed on The annual fee for the UBS Debit Card, UBS Credit Cards and/or the UBS Prepaid Card is included in the package price The prices on page 22 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 8 onward apply investing provision Additional services Advice on matters such as payments and saving, financing a home and asset optimization UBS magazine containing news and current offers 5 ubs.com/individual 6 Other options: UBS Gold Credit Card (CHF 8 extra per month) or UBS Platinum Credit Card (CHF 30 extra per month). No extra charge in the first year for new clients or for existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro. 7 Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the lower package price to apply, total assets must be at least CHF 10,000 for the entire previous month (exception: with the banking package for young professionals at least CHF 5,000). 8 These are required components of the banking package. 9 Subject to fulfillment of issuing criteria and acceptance of card application.

7 UBS Family the banking package for families and couples For families and couples aged 20 and above (2 people living in the same household, with or without children) Description Package price Scope of package Conditions and additional information Banking package for families and couples, including the most important and services for payment, savings and retirement planning for an attractive all-in fee, which is only charged once per family/couple. Free membership of the UBS KeyClub bonus program CHF Price per month (payments can also be made using UBS KeyClub points): CHF for total family assets 11 from CHF 10,000 or with a building financing or a mortgage at UBS or CHF by switching to e-documents Otherwise CHF Special offer in 1 st year: Free of charge if both partners are new clients or existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro Half-price per month if one partner is a new client or if in the case of existing UBS clients only one partner has a UBS Debit Card V PAY or a UBS Debit Card Maestro Included in the package: UBS Personal Account in CHF 12 or UBS Personal Account 60plus 12 (more than one possible) UBS Savings Account in CHF 12 (more than one possible) UBS Fisca Account (more than one possible) UBS Debit Card 12 (V PAY or Maestro; more than one possible) for free cash withdrawals in CHF from your UBS Personal Account or your UBS Personal Account 60plus within Switzerland at all UBS Bancomats and ATMs of other banks UBS Credit Cards (Classic/Standard, Special Edition, Charity Card) 10, 12, 13 and/or UBS Prepaid Cards 12 in CHF UBS Online Services, see page 20 Payments in CHF in Switzerland from a UBS Personal Account or a UBS Personal Account 60plus with UBS e-banking/ubs Mobile Banking, UBS Multimat, LSV + (direct debit), UBS easy and UBS Standing Order Membership of UBS KeyClub bonus program with attractive offers Included for your children under the age of 18: UBS Savings Account for Young People UBS Investment Fund Account available on preferential terms UBS Personal Account, see page 8 UBS Personal Account 60plus, see page 10 UBS Savings Account, see page 13 UBS Fisca Account, see page 16 UBS Savings Account for Young People, see page 12 UBS Investment Fund Account, see page 14 Shipping costs/third-party charges will be passed on The annual fee for the UBS Debit Cards, UBS Credit Cards and/or the UBS Prepaid Cards is included in the package price The prices on page 22 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 8 onward apply investing provision Additional services Advice on matters such as payments and saving, financing a home and asset optimization UBS magazine containing news and current offers 6 ubs.com/family 10 Other options: UBS Gold Credit Card (CHF 8 extra per month) or UBS Platinum Credit Card (CHF 30 extra per month). No extra charge in the first year if both partners are new clients or for existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro. Half-price extra charge per month in the first year if one partner is a new client or if both are existing UBS clients, but only one partner has a UBS Debit Card V PAY or a UBS Debit Card Maestro. 11 Family assets include the accumulated account and custody account assets held with UBS under the registered members of the same family (including their children, if right of disposal provided) excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the lower package price to apply, family assets must be at least CHF 10,000 for the entire previous month. 12 These are required components of the banking package. 13 Subject to fulfillment of issuing criteria and acceptance of card application.

8 Page UBS Personal Account 8 UBS Personal Account EUR 9 UBS Personal Account 60plus 10 UBS Current Account for Private Clients 11 investing UBS Savings Account for Young People 12 UBS Savings Account 13 UBS Investment Fund Account 14 UBS Time Deposit Account 15 provision UBS Fisca Account (Restricted Retirement Account 3a) 16 UBS Unrestricted Retirement Account 3b 17 UBS Vested Benefits Account 18 UBS e-banking/ubs Mobile Banking app 20 UBS Paymit app 20 Bonus program UBS KeyClub 21 Prices/information Prices for payment services 22 Prices for card and cash services 24 Prices for special services investing provision 7

9 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services Remarks UBS Personal Account For people aged 20 to 60. Available to young people with UBS Generation from the age of 12 and to students with UBS Campus from the age of 18 For salary deposits and for processing all payment and securities transactions CHF See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client. Account closures are also subject to the conditions listed under Withdrawal arrangements CHF 5 per month with total assets 14 of at least CHF 10,000 held with UBS or with a building financing or a mortgage at UBS Otherwise CHF 7 per month These prices are reduced by CHF 2 per month by switching to e-documents CHF 100,000 per calendar month, for higher amounts three-month notice period15, 16 Overdraft: possible upon bank s approval Free of charge, monthly; other alternatives possible Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest) is more than CHF 15 Free of charge, annually as at December 31 Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per advice irrespective of whether the advice is issued electronically or on paper Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid or minimize shipping costs UBS Debit Card (V PAY/Maestro) or UBS Customer Card UBS Credit/Prepaid Cards UBS Online Services, see page 20 UBS Bancomat/UBS Bancomat Plus UBS Multimat Payment orders, e.g. UBS easy, LSV + (direct debit) UBS BESR Quick payment slips The prices from page 22 onward apply for these services Automatic conversion into a UBS Personal Account 60plus at the start of the month of the account holder s 60 th birthday Free banking packages for young people and students are also available, see pages 2 and 3 For adults, the UBS Personal Account is already included in the banking packages for an attractive all-in fee, see pages 4 to 6 investing provision 8 ubs.com/accounts 14 Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the reduced account management fee to apply to the account, total assets must be at least CHF 10,000 (or equivalent in EUR) for the entire previous month. 15 No notice period necessary for transfers to a UBS Fisca Account, UBS Unrestricted Retirement Account 3b, UBS Investment Fund Account or UBS Time Deposit Account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS or for interest or amortization payments on UBS Mortgages. 16 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.

10 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services UBS Personal Account EUR For people aged 12 and over For salary deposits and for processing all payment and securities transactions EUR See separate overview, which you can obtain at your UBS branch office or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 (equivalent in EUR) or if the account is balanced more than once per calendar year Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client. Account closures are also subject to the conditions listed under Withdrawal arrangements CHF 5 per month with total assets 14 of at least CHF 10,000 (or equivalent in EUR) held with UBS or with a building financing or a mortgage at UBS Otherwise CHF 7 per month These prices are reduced by CHF 2 per month by switching to e-documents EUR 60,000 per calendar month, for higher amounts three-month notice period15, 16 Overdraft: possible upon bank s approval Free of charge, monthly; other alternatives possible Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest) is more than CHF 15 Free of charge, annually as at December 31 Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per advice irrespective of whether the advice is issued electronically or on paper Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid or minimize shipping costs UBS Debit Card (V PAY/Maestro) or UBS Customer Card UBS Credit Cards UBS Online Services, see page 20 UBS Bancomat/UBS Bancomat Plus UBS Multimat Payment orders, e.g. LSV + (direct debit) The prices from page 22 onward apply for these services investing provision Remarks 9 ubs.com/accounts 14 Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the reduced account management fee to apply to the account, total assets must be at least CHF 10,000 (or equivalent in EUR) for the entire previous month. 15 No notice period necessary for transfers to a UBS Fisca Account, UBS Unrestricted Retirement Account 3b, UBS Investment Fund Account or UBS Time Deposit Account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS or for interest or amortization payments on UBS Mortgages. 16 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.

11 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services Remarks UBS Personal Account 60plus For people aged 60 and over For salary or pension payments and for processing all payment and securities transactions CHF See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client. Account closures are also subject to the conditions listed under Withdrawal arrangements CHF 5 per month with total assets 17 of at least CHF 10,000 held with UBS or with a building financing or a mortgage at UBS Otherwise CHF 7 per month These prices are reduced by CHF 2 per month by switching to e-documents CHF 100,000 per calendar month, for higher amounts three-month notice period18, 19 Overdraft: possible upon bank s approval Free of charge, monthly; other alternatives possible Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest) is more than CHF 15 Free of charge, annually as at December 31 Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per advice irrespective of whether the advice is issued electronically or on paper Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid or minimize shipping costs UBS Debit Card (V PAY/Maestro) or UBS Customer Card UBS Credit/Prepaid Cards UBS Online Services, see page 20 UBS Bancomat/UBS Bancomat Plus UBS Multimat Payment orders, e.g. UBS easy, LSV + (direct debit) UBS BESR Quick payment slips The prices from page 22 onward apply for these services The UBS Personal Account 60plus is already included in the banking packages UBS Individual and UBS Family for an attractive all-in fee, see pages 5 to 6 investing provision 10 ubs.com/accounts 17 Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the reduced account management fee to apply to the account, total assets must be at least CHF 10,000 for the entire previous month. 18 No notice period necessary for transfers to a UBS Fisca Account, UBS Unrestricted Retirement Account 3b, UBS Investment Fund Account or UBS Time Deposit Account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS or for interest or amortization payments on UBS Mortgages. 19 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.

12 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance UBS Current Account for Private Clients For people aged 18 and over For more substantial personal payment and securities transactions CHF and foreign currencies See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) or if the account is balanced more than once per calendar year Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client. Account closures are also subject to the conditions listed under Withdrawal arrangements CHF 5 monthly, charged annually Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services Remarks The total asset amount at all times Free of charge, quarterly; other alternatives possible Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest) is more than CHF 15 On request Free of charge, monthly; other alternatives possible Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid or minimize shipping costs UBS Debit Card (V PAY/Maestro; in CHF and EUR) or UBS Customer Card UBS Credit/Prepaid Cards UBS Online Services, see page 20 UBS Bancomat/UBS Bancomat Plus UBS Multimat Payment orders, e.g. UBS easy, LSV + (direct debit) UBS BESR Quick payment slips The prices from page 22 onward apply for these services In CHF only available with a UBS Custody Account investing provision 11 ubs.com/accounts

13 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance UBS Savings Account for Young People For children and young people up to 20 years of age The ideal gift for your child, godchild or grandchild. Can also be opened by the young people themselves when they are aged 12 or above. Parental consent is required for individuals under the age of 15 CHF See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client. Account closures are also subject to the conditions listed under Withdrawal arrangements Free of charge Maintenance fee of CHF 2 monthly for existing savings books Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services CHF 50,000 per calendar year, for higher amounts three-month notice period20, 21 Free of charge, annually as at December 31; other alternatives possible Free of charge, annually as at December 31 Free of charge, annually as at December 31 Free of charge, monthly; other alternatives possible No shipping costs. Other third-party charges will be passed on Gift for newborns: account credit of CHF 20 Sending of a savings box and a gift card Gift certificate for later transfer of the account UBS Online Services, see page 20 Topsy s world: ubs.com/topsy investing provision Remarks 12 When opened as a gift savings account, the UBS Savings Account for Young People is always in the child s name. The right of disposal is transferred to the young person no later than when he/she has reached the age of majority Conversion into a UBS Savings Account when the account holder turns 20 with the following exceptions: With the free Banking Package UBS Generation (see page 2), the automatic conversion does not take place until the account holder turns 22 With the free Banking Package UBS Campus (see page 3), the automatic conversion takes place when the account holder has finished his/her studies or no later than when he/she turns 30 A charge of CHF 5 per payment applies in addition to the payment transaction charges in the case of payments from the UBS Savings Account for Young People (see page 22) We recommend that you use your UBS Personal Account for payments ubs.com/accounts 20 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount. 21 No notice period necessary for transfer to a UBS Investment Fund Account or UBS Time Deposit Account.

14 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance UBS Savings Account In CHF for people aged 20 and above / in EUR for all age groups Personal savings with more interest CHF and EUR See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 (or equivalent in EUR) or if the account is balanced more than once per calendar year Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client. Account closures are also subject to the conditions listed under Withdrawal arrangements Free of charge Maintenance fee of CHF 2 monthly for existing savings books (only for CHF) Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services CHF 50,000/EUR 30,000 per calendar year, for higher amounts three-month notice period20, 22 Free of charge, annually as at December 31; other alternatives possible Free of charge, annually as at December 31 Free of charge, annually as at December 31 Free of charge, monthly; other alternatives possible Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid or minimize shipping costs UBS Online Services, see page 20 UBS Bancomat/UBS Bancomat Plus UBS Multimat UBS BESR Quick payment slips (only for CHF) UBS Customer Card investing provision Remarks The UBS Savings Account in CHF is already included in the banking packages, see pages 4 to 6 A charge of CHF 5 per payment applies in addition to the payment transaction charges in the case of payments from the UBS Savings Account (see page 22) Valid from March 1, 2016: If more than 6 withdrawals are made from a UBS Savings Account in a given calendar year, CHF 5 are charged for each withdrawal (see page 24) We recommend that you use your UBS Personal Account for payments and regular cash withdrawals 13 ubs.com/accounts 20 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount. 22 No notice period necessary for transfers to a UBS Fisca Account, UBS Unrestricted Retirement Account 3b, UBS Investment Fund Account or UBS Time Deposit Account or for interest or amortization payments on UBS Mortgages.

15 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance UBS Investment Fund Account (with associated UBS Investment Fund Custody Account) For all age groups (for young bank clients 23 /young professionals 23 at preferential conditions) For asset accumulation with UBS Investment Funds CHF/EUR/USD See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) or if the account is balanced more than once per calendar year. 35% of earnings on investment funds under Swiss law Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client See under Remarks Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services Remarks At any time through your client advisor or over the counter: Up to 80% of the capital invested in the UBS Investment Fund Account/Custody Account Minimum withdrawal: CHF/EUR/USD 250 Young bank clients 23 /young professionals 23 : CHF/EUR/USD 100 Closure after sale of fund units is settled Free fund account statement, annually as at December 31 Free of charge, annually as at December 31 Free fund account tax certificate, annually as at December 31 Normally no advice Individual advice for each investment See under Remarks Investment instructions: choose from a large selection of broadly diversified UBS Investment Funds Asset accumulation: automatic investment in UBS Investment Funds according to your investment instruction once a minimum investment amount of CHF/EUR/USD 250 (young bank clients 23 /young professionals 23 : CHF/EUR/USD 100) is reached. Preferable rate of interest on credit balances 24 below minimum investment amount Deposits and withdrawals can be made at any time Redemption plan possible starting from minimum investment of CHF/EUR/USD 50,000 UBS Online Services, see page 20 Sending of a savings box and newborns receive a gift of CHF 20, which is credited to their account 0.14% administration fee p.a. for managing the UBS Investment Fund Account/Custody Account Issuing commission for investing in UBS Investment Funds (price varies depending on the fund) and standard commissions and costs of the individual investment funds Third-party charges (e.g. VAT, withholding tax, federal stamp duties, etc.) will be charged separately Preferential conditions for young bank clients 23 /young professionals 23 : preferential interest rate in CHF no administration fee 50% discount on issuing commission (other commissions and costs will be charged separately) When opened as a gift account, the UBS Investment Fund Account is always in the child s name. The right of disposal is transferred to the young person no later than when he/she has reached the age of majority investing provision 14 ubs.com/fundaccount 23 Young bank clients: children and young people up to 20 years of age and clients with the banking packages UBS Generation or UBS Campus. Young professionals: clients with the Banking Package UBS Young Professional. 24 Except for UBS Investment Fund Account in USD.

16 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance UBS Time Deposit Account For people aged 18 and above For investments with a fixed interest rate and a high degree of security CHF/EUR See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/time-deposit-account 35% of gross interest income Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client Free of charge Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services None (exceptionally on request) Annually from date money is deposited or as at December 31 Investment amount: from CHF/EUR 5,000 (rounded to the nearest cent) Term: from 1 year and 1 day up to 10 years UBS Online Services, see page 20 investing provision Remarks Banking relationship with UBS required 15 ubs.com/time-deposit-account

17 UBS Fisca Account (Restricted Retirement Account 3a) For people who pay AHV contributions Suitability Retirement plan for tax-deductible saving (pillar 3a) Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance CHF See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest None Free of charge, more than one account possible; the remarks set out under Withdrawal arrangements apply for payments and account closure Free of charge Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services Payment no earlier than 5 years prior to reaching normal AHV retirement age or in accordance with statutory or regulatory provisions Free of charge, annually as at December 31 Free of charge, annually as at December 31 Free tax certificate, annually as at December 31 Free of charge, monthly; other alternatives possible Free of charge UBS Vitainvest Investment Funds in UBS Fisca Custody Account UBS Standing Order Fisca (free of charge) UBS Online Services, see page 20 investing provision Remarks Financing home ownership Maximum deposits at present per calendar year: With BVG : CHF 6,768 Without BVG : 20% of income, up to a maximum of CHF 33,840 Tax benefits: Deposits are deductible from taxable income Interest income and savings capital not taxable until paid out Taxation at reduced rate on payout of capital The UBS Fisca Account is already included in the banking packages, see pages 4, 5 and 6 16 ubs.com/fisca

18 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance UBS Unrestricted Retirement Account 3b For people who save actively with UBS Fisca, see page 16 Retirement solution for long-term, targeted unrestricted retirement provision (pillar 3b) CHF Same preferential interest rate as for UBS Fisca Account. See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest 35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year Free of charge; the remarks set out under Withdrawal arrangements apply for withdrawals and account closure Free of charge Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services In principle at any time, distinction between ordinary and extraordinary withdrawals Most of the criteria for payout under pillar 3a (UBS Fisca) constitute ordinary reasons for withdrawal Ordinary withdrawals: preferential conditions still apply Extraordinary withdrawals: retrospective charge of half the interest credited together with all issuing commissions and custody account fees payable is levied on the withdrawal amount Free of charge, annually as at December 31 Free of charge, annually as at December 31 Free of charge, monthly; other alternatives possible Free of charge No issuing commissions or custody account fees for investments in selected UBS Funds in the UBS Unrestricted Retirement Custody Account 3b investing provision Remarks Deposits: up to twice the amount deposited in UBS Fisca in the same calendar year Preferential conditions: same preferential interest rate as for UBS Fisca Account and investments in selected UBS Funds. Issuing commission and custody account fees waived Taxes: deposits are not tax deductible. Capital and income are subject to regular taxation. If there is an extraordinary withdrawal, the income tax paid on interest income in the previous years cannot be reclaimed. If, however, the assets were invested in units of UBS Funds, there are no tax disadvantages 17 ubs.com/retirement

19 Suitability Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance UBS Vested Benefits Account For people with assets from an occupational pension plan (pillar 2) Solution for maintaining an occupational pension plan CHF See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest None Free of charge; the remarks set out under Withdrawal arrangements apply for account closure Free of charge Withdrawal arrangements Account statements Interest calculations Certification Credit and debit advices Shipping costs/third-party expenses Services Payment no earlier than 5 years prior to and no later than 5 years after reaching normal AHV retirement age or in accordance with statutory or regulatory provisions Free of charge, annually as at December 31 Free of charge, annually as at December 31 Free of charge Free of charge Investments in UBS Vitainvest Investment Funds without issuing commission and custody account fees investing provision Remarks Tax benefits: Interest income and savings capital not taxable until paid out Taxation at reduced rate on payout of capital Financing owner-occupied residential property: Early withdrawal or pledging of retirement assets for purchase, building, renovation and conversion Processing fee of CHF ubs.com/vestedbenefits-private

20 Page UBS e-banking/ubs Mobile Banking app 20 UBS Paymit app 20 Bonus program UBS KeyClub 21 Prices/information Prices for payment services 22 Prices for card and cash services 24 Prices for special services provision investing 19

21 UBS Online Services UBS e-banking/ubs Mobile Banking app Services at a glance 25 Assets: account balances as well as the most recent credits and debits; the market value of custody accounts and portfolios Cards: spending with UBS Credit and Prepaid Cards, available amount, switch to paperless invoices, as well as card blocking and orders for new cards; adjustment of the limits of UBS Debit Cards Push notifications via the app, SMS or e.g. for debits to accounts or credit cards Payments: execution with the payment slip scanner and the payment assistant; approval of e-bills Personal financial assistant: analysis of expenditure; overview of the budget and achievement of your defined savings targets Quotes: information on financial market trends and details on specific financial instruments Investment views: market analyses and investment ideas Trading: buying and selling securities Offers: opening of accounts; ordering of credit and debit cards and Access Cards Mailbox: secure, confidential communication with client advisor E-documents: bank documents in electronic form Requirements Banking relationship with UBS and signed declaration on the use of UBS Online Services Means of access Access Card: first card free of charge, replacement/additional card CHF 10 (incl. VAT) Access Card Display: CHF 25 (incl. VAT) Card reader: first card reader free of charge, replacement/ additional card reader CHF 10 (incl. VAT) Access Key: CHF 65 (incl. VAT) ubs.com/ebanking and ubs.com/mobile UBS Paymit app Services at a glance Send, request and receive money simply, speedily and securely Free app with no transaction charges Limits Maximum transaction amount for payments sent, requested or received: CHF 500 Limit on amounts charged to a credit or prepaid card: CHF 500 (rolling over 30 days) Limit on amounts that are charged to a UBS account: CHF 1,500 (rolling over 30 days) Transaction limit for all accumulated transactions: CHF 3,000 per month Requirements A Swiss mobile phone number and account number as well as a credit or prepaid card ubs.com/paymit investing provision 25 You can access individual functions only in e-banking or mobile banking. 20

22 UBS KeyClub UBS KeyClub is the bonus program from UBS that rewards you for making active use of certain banking services (see Collection rules ). The points you collect can be redeemed just like cash for special offers and the entire range of our KeyClub partners, either as epoints in the UBS KeyClub estore or as paper checks at the till. One point equals one franc Collection rules UBS Generation UBS Young UBS Individual UBS Campus Professional UBS Family Incoming payments on a 5 points per quarter 15 points per half 5 points 27 per half UBS Personal Account 26 for a minimum of year for a minimum year for a minimum 3 incoming payments of CHF 2,000 each of CHF 4,000 each month month Payment with UBS MasterCard 5 points per half year Prepaid 26 for a minimum of 10 payments Spending on UBS Credit/Prepaid 1 point per quarter UBS Prepaid Card and UBS Credit Card Card (including cards in foreign for every CHF 100 Classic/Standard, Special Edition 3 points, currencies EUR/USD) 28, 29 spent Gold 6 points, Platinum 9 points for every (CHF 1,000 limit) CHF 1,000 spent As a young person or student, you benefit even more Opening a package for young people, students or young professionals Referring a new client with the conclusion of a package for young people or students 40 points as a welcome gift 25 points per new client ubs.com/keyclub ubs.com/keyclubestore investing provision 26 As part of a banking package. 27 Maximum 10 points on collective/joint accounts in the Banking Package UBS Family with two or more entries of at least CHF 4, Cards in foreign currencies (EUR/USD): spending is converted into CHF at the official UBS sell exchange rate and the points calculated according to the collection rules. 29 These collection rules also apply to clients without a banking package. 21

23 Prices for payment services Outgoing payments Prices in CHF and per Domestic payments Foreign payment 30, charged on a payments monthly basis CHF with CHF without EUR Other All a banking a banking foreign currencies 33 package 31 package or currencies or a fee fee exempexemption 32 tion for for individual individual Electronic order UBS Online Services/ UBS Multimat Single payment order, Free of charge CHF 0.30 CHF 0.30 CHF 5 CHF 5 standing order SEPA payments CHF Abroad extra payments CHF 10 incl. third-party charges Direct debit LSV + Free of charge CHF 0.30 CHF 0.30 SEPA direct debit CHF 0.30 CHF Paper-based order UBS easy Per payment slip Free of charge CHF 0.50 UBS easy international Per payment slip Free of charge CHF 0.50 CHF 4 Per IPI payment slip CHF 2 CHF 2 CHF 4 CHF 10 CHF 10 UBS Standing Order Free of charge CHF 0.50 CHF 2 CHF 5 CHF 5 UBS Special Standing Order Free of charge CHF 0.50 UBS Standing Order Fisca Free of charge Free of charge UBS global CHF 2 CHF 2 CHF 4 CHF 10 CHF 10 One-time order 35 by letter/ CHF 35 CHF 35 CHF 35 CHF 35 CHF 60 telephone/fax Other For payments from Additional charge of CHF 5 on all the above prices; domestic payments UBS Savings Accounts in CHF from the savings account are not included in the banking package and there is no fee exemption on individual Account transfers 36 Free of charge under the same banking relationship Incoming payments Credit to UBS Account Free of charge 37 (from Switzerland and abroad) investing provision 30 For collective orders, the prices are calculated per executed payment. 31 Only for payments from UBS Personal Accounts. 32 Applies if your total assets remain at least CHF 10,000 for the entire previous month or if you have a building financing or mortgage at UBS. Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. Prices are valid for payments from the UBS Personal Account/UBS Personal Account 60plus. 33 All prices exclude third-party charges. 34 In EUR only. 35 The all costs to be borne by the beneficiary option becomes automatically applicable when an account is closed and the funds immediately transferred abroad. If by fax, a fax agreement is required. 36 For transfers to the card account (UBS Credit or Prepaid Cards) the prices stated above for domestic payments in CHF apply; if made by the client advisor, a charge of CHF 35 per transfer applies. 37 Depending on the cost option that the ordering customer arranges with his bank, some costs may be deducted from the incoming transfer amount. See page 23, other costs. 22

24 Other costs Outgoing payments Cost options for foreign payments All costs to be borne by the ordering client (OUR) The ordering client pays the UBS costs and a thirdparty flat rate fee of CHF 20, which covers all additional costs until credited to the beneficiary bank Breakdown of costs (SHA) 38 The ordering client pays the UBS costs and the beneficiary pays the third-party charges, which are deducted from the transfer amount All costs to be borne by the beneficiary (BEN) The beneficiary pays the UBS costs and the thirdparty costs, which are deducted from the transfer amount Incoming payments From abroad (not SEPA) or in foreign currencies within Switzerland (excluding EUR), depending on the cost option selected: All costs to be borne by the ordering client (OUR) No costs Breakdown of costs (SHA) 38 UBS costs of CHF 6 are deducted from the incoming amount 39 All costs to be borne by the beneficiary (BEN) UBS costs of CHF 6 are deducted from the incoming amount 39 Third-party charges Third-party charges imposed by PostFinance and other banks for cash deposits, manual interventions, follow-up inquiries, returned payments (rejects), etc. are generally passed on to the client For payments in EUR to an EU/EEA country without an IBAN, the ordering client incurs a charge of CHF 8. SEPA payments do not incur any thirdparty charges Please note that some banks levy a fee on their clients incoming payments. UBS has no influence over this Particularly time-consuming inquiries for which CHF 120 per hour the bank was not at fault Producing and mailing extra copies/ CHF 10 for confirmation by letter payment confirmations CHF 50 for confirmation by fax (fax agreement with UBS required) Ordering forms Payment forms UBS BESR Quick (bank payment slip with reference number) UBS red payment slip Free of charge Free of charge CHF 0.20 per slip (plus VAT) investing provision 38 The option Breakdown of costs (SHA) is used as the default if no other cost option is selected. 39 The costs charged by the banks involved are already included in the incoming amount. 23

25 Prices for card and cash services UBS Debit Cards UBS Debit Card V PAY/ UBS Customer Card UBS Debit Card Maestro Owner card CHF 40 per year 40 Free of charge Authorized representative card CHF 40 per year 41 Free of charge Replacement card CHF 20 per card CHF 20 per card 42 Blocking Via UBS Helpline/client advisor CHF 40 per card Free of charge Via UBS Mobile Banking app Free of charge Cashless payments In Switzerland Free of charge Abroad 1% of the amount, at least CHF 1.50, UBS foreign exchange sell rate Cash deposits at UBS Bancomat Plus CHF Free of charge EUR into a CHF account Free of charge, UBS banknote buy rate EUR into a EUR account 1% of the amount UBS counter CHF into a CHF account Free of charge Foreign currencies into a CHF account Free of charge, UBS banknote buy rate EUR, USD, GBP into an account of 2% of the amount, up to an equivalent of CHF 1,000 the same currency 43 1% for larger amounts, up to an equivalent of CHF 50, Coin deposit Available on request Cash withdrawals from UBS Bancomat CHF from a CHF account Free of charge or CHF 5 per withdrawal 45 EUR from a CHF account Free of charge or CHF 5 per withdrawal 45, UBS banknote sell rate EUR from a EUR account 1% of the amount; for a UBS Savings Account, see also footnote 45 UBS counter CHF from a UBS Personal Account Up to CHF 5,000: CHF 2 per withdrawal or free of charge 46 in CHF Over CHF 5,000: free of charge CHF from a UBS Savings Account Free of charge or CHF 5 per withdrawal 45 CHF from all other accounts Free of charge Foreign currencies from a CHF account Free of charge or CHF 5 per withdrawal 45, UBS banknote sell rate EUR, USD, GBP from an account of 2% of the amount, up to an equivalent of CHF 1,000 the same currency 43 1% for larger amounts, up to an equivalent of CHF 50, ; for a UBS Savings Account, see also footnote 45 ATMs and counters of other banks 47 In Switzerland in CHF CHF 2 per withdrawal 40 In Switzerland in EUR 1% of the amount, at least EUR 3.50, UBS foreign exchange sell rate Abroad, in the applicable local currency CHF 5 per withdrawal, UBS foreign exchange sell rate investing provision 40 Included in all banking packages. 41 Included in the Banking Package UBS Family. 42 If previous card was in circulation for less than 2 years. 43 Other currencies upon request. 44 On request for amounts higher than CHF 50, Valid from March 1, 2016: If more than 6 withdrawals are made from a UBS Savings Account in a given calendar year, CHF 5 are charged for each withdrawal. This rule applies per UBS banking relationship and account currency, for all cash withdrawals and also for purchases of precious metals. Withdrawals from all other accounts are not affected by this regulation. 46 Free of charge with all banking packages or if the total assets on account do not fall below CHF 10,000 at any point during the previous month or with UBS Building Financing or a UBS Mortgage. Total assets include the accumulated account and custody account assets held with UBS under the same client relationship, excluding UBS Vested Benefits Custody/Account and prepaid/ credit card account assets. 47 Third-party costs may be passed on to the cardholder. 24

26 UBS Credit/Prepaid Cards UBS MasterCard Prepaid UBS Visa Card and UBS MasterCard Classic/Standard Gold Platinum Special Edition 48 Two-card set Available Available Available In 1 st year CHF CHF CHF CHF In each subsequent year CHF CHF CHF CHF Two-card set partner CHF CHF Included 51 (per year) CHF CHF CHF CHF, EUR, USD 53 Replacement card CHF CHF Free of charge Free of charge With UBS Travel Insurance Plus CHF 72 per year Included Plus Monthly invoice In paper form 55 CHF 1.80 / EUR 1.70 / USD 1.90 per invoice Free of charge Paperless 56 or with an e-bill Free of charge Free of charge Cash withdrawals at ATMs 4% of the amount, at least CHF 10 / EUR 8 / USD 10 per withdrawal or from a counter in Switzerland and abroad conversions for UBS foreign exchange sell rate plus 1.75% processing surcharge transactions in foreign currencies Interest rate for payment in Annual interest rate of 15% installments Card blocking Free of charge Reimbursements of card CHF 20 balances Reminder fees CHF 30 to CHF 60 Passing on of third-party All third-party costs incurred (e.g. postage costs, fees for payments at post costs office counters, courier costs for card delivery abroad, costs for visits to airport lounges) may be passed on. For detailed price information please contact our customer service investing provision 48 Prices also apply to UBS Optimus Foundation Charity cards. 49 Free of charge with UBS Generation and UBS Campus (minimum age: 12 for prepaid card, 18 for credit card). Included in the price of other banking packages. 50 Available for an additional charge of CHF 8 per month in the case of UBS Young Professional and UBS Individual/Family. This includes a two-card set and, in the case of UBS Family, a partner card. 51 Available for an additional charge of CHF 30 per month in the case of UBS Young Professional and UBS Individual/Family. 52 The partner card is included in the Banking Package UBS Family. 53 Partner cards are also available in a currency other than that of the main card. 54 Free of charge if order is made via UBS e-banking or UBS Mobile Banking App. 55 For clients with UBS Retained Mail Service invoices in paper form are free of charge. 56 Paperless invoices can be activated in UBS e-banking. Find out more at ubs.com/paperless. 25

27 Prices for special services Check transactions Issuing check Correspondence check Payable against a UBS Account CHF 10 per check Check forms CHF 1 per check Bank check (issued by UBS) Sent to client in Switzerland by registered mail CHF 50 per check Sent to client in Switzerland by courier CHF 100 per check Sent to client abroad CHF 100 per check Stop notice on check Correspondence check CHF 50 per check Bank check CHF 100 per check (excl. third-party costs) Check credited to account Under usual reserve Payable at domestic bank CHF 20 per check Payable at foreign bank CHF 20 per check Traveler s checks In CHF Free of charge In foreign currency CHF 5 per check After final payment Payable at domestic bank CHF 30 per check Payable at foreign bank CHF 40 per check Payment in cash CHF 15 per check Third-party costs All additional costs charged by other involved banks are debited in full Other charges UBS Numbered Account Relationship CHF 480 per quarter UBS Retained Mail Service CHF 240 per quarter (plus VAT) Surcharge for dispatch of UBS Retained Mail CHF 150 per year (plus VAT) Cost for courier dispatch of documents CHF 100 per year (plus VAT) in special circumstances UBS Safe Deposit Box Upon request Surcharge for domiciliary companies Upon request investing provision 26

28 Domicile abroad Additional charge CHF 30 per month 58 (valid for all individuals above age 20 who are domiciled outside Switzerland and The additional charge will not apply in the following cases: the Principality of Liechtenstein) 57 Client relationships with total assets 59 booked at UBS in Switzerland over CHF 50,000 (over CHF 250,000 from March 1, 2016) Clients who are domiciled in Germany, France, Italy or Austria if there is a regular monthly salary deposit of at least CHF Clients with a UBS Numbered Account Client relationships with UBS Retained Mail Clients with a UBS Mortgage or a UBS Building Financing Clients with a UBS Mandate Solution Clients with UBS Service Access Clients with a banking package for young people or for students Client relationships that are exclusively a UBS Rental Surety Savings Account or UBS Retirement Account (pillars 2 and 3) New clients during the first three months investing provision 57 For clients of financial intermediaries the conditions are shown on a separate price sheet. 58 The extra charge is debited monthly in the same way as any account maintenance fees/offering prices that are due. Depending on the account debited, the notification will be sent at the time of the debit or at the latest with the mailing of the account statement. 59 Total assets include the accumulated account and custody account assets held with UBS under the same client relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. To qualify for exemption from fees, the total assets booked at UBS in Switzerland must have been at least CHF 50,000 (from March 1, 2016, at least CHF 250,000) during the entire previous month. 60 The salary deposits must each have been equal to at least CHF 500 during the last three months and must be made to a CHF or EUR account at UBS. 27

29 All-in fees and other charge exemption options With our banking packages you benefit from the most important bank services for an attractive all-in fee (free of charge for young people and students). You can achieve additional savings if you hold total assets of at least CHF 10,000 with UBS or with a building financing or a mortgage at UBS and/or by switching to e-documents With the UBS Personal Account as an individual product you can benefit from reduced account maintenance fees and payment services fees if you have total assets of at least CHF 10,000 or with a building financing or a mortgage at UBS. By switching to e-documents you can benefit from an additional discount of CHF 2 on the account maintenance fee Cut costs and speed up delivery E-documents in UBS e-banking Receive your account statements, credit and debit advices, etc., as e-documents. This is quicker and more environmentally friendly Paperless invoices for your credit/prepaid card Activate paperless statements in UBS e-banking, and save on costs and paper. Find out more at ubs.com/paperless Collective envelopes by post With the monthly (or weekly) collective envelope, you receive payment advices and other non-time-critical documents bundled together at the beginning of the month or week, usually with your account statement. This means that you not only get a better overview, but you also save on shipping costs You can obtain further information On the Internet: ubs.com Via UBS Service Line Private Clients: From your UBS client advisor or at a UBS branch investing provision 28

30 This publication is intended for information only and is not intended as a recommendation, an offer or a solicitation of an offer. Before making a decision, you should obtain relevant professional advice. Please note that UBS reserves the right to alter its services, or prices at any time without prior notice. Certain and services are subject to legal restrictions and cannot be offered worldwide on an unrestricted basis. Reproduction in whole or part is prohibited without prior permission of UBS. UBS Switzerland AG P.O. Box 8098 Zurich UBS Service Line Private Clients ubs.com a b UBS The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. Also available in French, German and Italian. Published January E