Banking packages and individual products

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1 a b Banking packages and individual Services and prices for private clients, valid from September 1, 2015

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 20 UBS Mobile Banking 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 26 Further information 28 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, for students or for young professionals 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: 14 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 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 Description Package price 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, for students or for young professionals 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 3 Check-up, e.g. when you begin your studies or when you start your career young magazine containing news and current offers 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 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 4 Advice on matters such as starting a career, retirement planning and asset accumulation UBS magazine containing news and current offers 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 Scope of package Conditions and additional information 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 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 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 5 Advice on matters such as saving for and financing a home, retirement planning and asset accumulation UBS magazine containing news and current offers 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 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 6 Advice on matters such as saving for and financing a home, retirement planning and asset accumulation UBS magazine containing news and current offers 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 20 UBS Mobile Banking 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 26 Further information 28 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 CHF 7 per month if the conditions listed above are not met 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, total assets must be at least CHF 10,000 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 UBS Personal Account EUR For people aged 12 and over Suitability For salary deposits and for processing all payment and securities transactions 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 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 CHF 7 per month if the conditions listed above are not met 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 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, total assets must be at least CHF 10,000 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 UBS Personal Account 60plus For people aged 60 and over Suitability For salary or pension payments and for processing all payment and securities transactions 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 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 CHF 7 per month if the conditions listed above are not met 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, 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 UBS Current Account for Private Clients For people aged 18 and over Suitability For more substantial personal payment and securities transactions Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance 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 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 Not suitable for payment services (extra charge of CHF 5 added per payment to payment services fees) 12 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 UBS Savings Account In CHF for people aged 20 and above / in EUR for all age groups Suitability Personal savings with more interest Interest rate/interest payment limit Withholding tax Opening/closing an account Account maintenance 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 Not suitable for payment services (extra charge of CHF 5 added per payment to payment services fees) 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 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) Suitability For asset accumulation with UBS Investment Funds Interest rate/interest payment limit Withholding tax Opening/closing an account 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 Account maintenance See under Remarks Withdrawal arrangements Account statements Interest calculations 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 investing Certification Credit and debit advices Shipping costs/third-party expenses Services Remarks 14 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 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. provision

16 UBS Time Deposit Account For people aged 18 and above Suitability For investments with a fixed interest rate and a high degree of security Interest rate/interest payment limit Withholding tax Opening/closing an account 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 Account maintenance 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 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 Account maintenance 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 16 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 ubs.com/fisca

18 UBS Unrestricted Retirement Account 3b For people who save actively with UBS Fisca, see page 16 Suitability Retirement solution for long-term, targeted unrestricted retirement provision (pillar 3b) Interest rate/interest payment limit Withholding tax Opening/closing an account 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 Account maintenance 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 UBS Vested Benefits Account For people with assets from an occupational pension plan (pillar 2) Suitability Solution for maintaining an occupational pension plan Interest rate/interest payment limit Withholding tax Opening/closing an account 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 Account maintenance 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 20 UBS Mobile Banking 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 26 Further information 28 provision investing 19

21 UBS e-banking and the UBS Mobile Banking app You can use UBS e-banking and the UBS Mobile Banking app if you have a banking relationship with UBS and have consented to the declaration regarding the use of UBS Online Services Services at a glance UBS e-banking UBS Mobile Banking app Account and Review of credits, debits and balances on your accounts, complete with all asset overview booking details Full overview of the market value and performance of your assets Credit and Access to your transactions, available limits and monthly statements prepaid cards Blocking in the event your card is lost or stolen. Replacement card in the event your card is defective Increase in the amount available via payment to card Debit cards Limit adjustments for your UBS Debit Card (V PAY/Maestro) Setting that defines the region where you want to use your UBS Debit Card Maestro to help protect against card misuse Payments Payment assistant for easy entry of payments and standing orders Account transfers Review and approval of e-bills Scanning of paying-in slips using the camera on your smartphone for direct execution of payments Personal finance assistant Analysis of your spending Creation of a monthly or annual budget (only via UBS e-banking) and comparison with current expenses Definition (only via UBS e-banking) and tracking of savings targets Quotes and trading Information on financial instruments and the performance of the financial markets Creation and administration of virtual portfolios Access to the major stock exchanges and execution of your stock market orders Investment views Access to publications from Instrument-specific analyses our analysts Broad range of investment ideas Services Opening of accounts Ordering of debit, credit and prepaid cards Mailbox and e-documents Secure correspondence with your client advisor Access to bank documents sent electronically Notifications Push notifications via the app or notifications by SMS or about account and credit card transactions UBS KeyClub estore Administration and redemption of your electronic KeyClub points investing provision 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 20

22 UBS KeyClub UBS KeyClub is the bonus program of 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 26 per half UBS Personal Account 25 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 25 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) 27, 28 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, 40 points as a welcome gift students or young professionals Referring a new client with the 25 points per new client conclusion of a package for young people, students or young professionals ubs.com/keyclub ubs.com/keyclubestore investing provision 25 As part of a banking package. 26 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. 28 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 29, charged on a payments monthly basis CHF with CHF without EUR Other All a banking a banking foreign currencies 32 package 30 package or currencies or a fee fee exempexemption 31 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 34 by letter/ CHF 35 CHF 35 CHF 35 CHF 35 CHF 60 telephone/fax Other For payments from any Additional charge of CHF 5 on all the above prices UBS Savings Account Account transfers 35 Free of charge under the same banking relationship Incoming payments Credit to UBS Account (from Switzerland and abroad) Free of charge investing provision 29 For collective orders, the prices are calculated per executed payment. 30 Included in banking packages for payments from the relevant UBS Personal Account. 31 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. 32 All prices exclude third-party charges. 33 In EUR only. 34 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. 35 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. 22

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