Explore without compromise. Welcome to the rewarding privileges of the UBS Visa Signature credit card

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1 Explore without compromise Welcome to the rewarding privileges of the UBS Visa Signature credit card

2 No annual fee* New chip technology Fly for fewer points on any commercial airline No blackout dates or point expiration Travel and purchase protection worldwide Treat yourself to a world of luxury Elite benefits, travel privileges and valuable rewards are yours to enjoy with the exclusive UBS Visa Signature credit card. Earn up to 50,000 bonus points worth a $900 airline ticket Apply by June 30, 2015 and you ll earn 25,000 My Choice Rewards bonus points when you spend $3,000 in the first three months. 1 Plus, upon earning the initial 25,000 bonus points, you can earn an additional 25,000 bonus points when you are approved for a UBS Credit Line or close on a UBS Mortgage by August 31, You can redeem those 50,000 bonus points for a $900 ticket on any commercial airline or for a broad array of other rewards, including gift cards and merchandise. Access cash without fees What makes our card different from most other credit cards is that you can access cash at ATMs and banks worldwide without paying finance charges or cash advance fees. With the unique CashConnect feature, your cash advances are automatically repaid each business day from your UBS Resource Management Account (RMA), provided you have sufficient funds available. 3 You ll also receive an unlimited number of ATM fee rebates in the U.S. (up to $3 per transaction). 4

3 7:30 p.m. oceanfront dining reserved for you with our compliments Experience personalized attention and peace of mind Worldwide protection and chip security When you use this card at chip-compatible terminals, your purchases are more secure. But rest assured, you can also swipe it anywhere you see the Visa logo. In addition, you re covered by an elite array of purchase, personal and travel benefits, such as: 5 Purchase security, warranty and return protection Protection coverage for fraudulent purchases Auto rental collision damage waiver Travel accident insurance and roadside assistance Emergency card replacement and cash disbursement Service that caters to UBS clients Our customer service representatives are trained to cater to the needs of UBS clients. In fact, 100% of our representatives are based in the U.S. and are available any time, day or night. You can also count on the UBS Concierge to make your life a little easier by booking your next trip, finding the right gift for a loved one or getting you into a popular show or restaurant. Luxury hotels at the best available rates From boutique treasures to the opulence of world-famous hotels, you have access to the full breadth of the Visa Signature Luxury Hotel Collection. Receive with every reservation: The best available rate guaranteed Automatic room upgrade upon arrival, when available Complimentary continental breakfast and in-room Wi-Fi 3:00 p.m. checkout upon request, when available VIP Guest status $25 food or beverage voucher

4 Explore the world in your own special way with fewer points than you ever imagined Let fewer points take you to greater places A rewards program that redefines flexibility With the My Choice Rewards program, you have total control over how to use your points. Redeem them for gift cards and merchandise from your favorite brands. Fly on any commercial airline without blackout dates to restrict you. Or redeem your points to pay for virtually anything you buy with your card. 6 Earn 1 point per dollar spent on eligible purchases Points do not expire as long as your card account remains open 7 Points worth much more when you travel Your card can help you fly for fewer points on any commercial airline. While many programs charge you 90,000 points for an airline ticket worth up to $900, with My Choice Rewards that same ticket is only 50,000 points, saving you up to 40,000 points. You can also redeem just 25,000 points for a ticket worth up to $ Earn up to 50,000 bonus points 1 No point caps No blackout dates when redeeming points for flights, hotels and cruises

5 Speak with your UBS Financial Advisor to apply today or call Earn up to 50,000 bonus points 1 New chip technology No annual fee* 1 To receive 25,000 bonus points, you must make $3,000 in eligible purchases in the first three months. If you do not reach that level, you can still receive 5,000 bonus points with $1,000 in eligible purchases in the first three months. This bonus will be doubled to 50,000 or 10,000 rewards points if you are approved for a UBS Credit Line or close on a UBS Mortgage by August 31, In order to be eligible for the these additional points, you must first complete your eligible card purchases within the first three months of obtaining your card and be a cardholder in Good Standing as defined in the cardholder agreement. If you do not satisfy the eligible purchase requirements for the card bonus points offer, you will not be eligible to receive the additional points offer even if you are approved for a UBS Credit Line or close a UBS Mortgage. Your additional bonus points may take up to three months to appear in your account from completion of both your eligible card purchase requirement and being approved for a UBS Credit Line or closing a UBS Mortgage. This is a follow-up reminder to the UBS Visa Signature credit card offer you received in March Please disregard it if you have already applied for a UBS credit card. Borrowing using securities as collateral entails risk and may not be appropriate for your needs. All loans are subject to credit approval. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement included in your account opening package. Neither UBS Financial Services Inc. nor UBS Bank USA provides legal or tax advice. You should consult your legal and tax advisors regarding the legal and tax implications of borrowing using securities as collateral for a loan. All mortgage products are offered only by UBS Mortgage. UBS Mortgage is a trade name for UBS AG, Tampa Branch or, in certain states for certain products, UBS Bank USA. All loans are subject to underwriting, credit and property approval. Not all products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Mortgage currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia. UBS Financial Services Inc., 1000 Harbor Blvd., Weehawken, NJ NMLS No Georgia Residential Mortgage Licensee No Massachusetts Mortgage Broker Lic. No. MB6737. Registered Mortgage Broker NYS Dept. of Financial Services. UBS Financial Services Inc. and its Financial Advisors do not take mortgage loan applications, do not offer mortgage loans and do not negotiate terms of mortgage loans. Equal Opportunity Lender. Equal Housing Lender. Bonus points are only available on new credit card accounts. Must apply by June 30, This offer is valid only with your first UBS credit card application after receiving this offer. This offer cannot be combined with any other promotions, including existing offers. If you receive and apply for this offer but do not satisfy the requirements, you will not receive any new account bonus. All applications subject to credit approval. 2 There is a $25 booking fee per ticket associated with this redemption option. Tickets must be booked through UBS and charged to your UBS Visa Signature credit card. Once your purchase is complete, applicable rewards points will be deducted from your account and a credit posted to your credit card account for the ticket price. 3 There must be sufficient funds to repay the cash advance that night or you will incur applicable cash advance fees and interest charges. The automatic transfers used to pay off your CashConnect cash advances will reduce the available funds in your UBS account and as a result could affect other transactions dependent on cash, such as fee payment, investment purchases, online bill pay, debit card usage and outstanding checks. Please make sure that you have sufficient available funds in your UBS account to cover these items, as well as the CashConnect cash advance. Feature available only for cardholders with an RMA or Business Services Account BSA. 4 We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to UBS by the ATM operator and/or network used. In the event that you do not receive a rebate for a fee that you believe is eligible, please call or collect at for assistance. 5 All benefits are subject to limitations. Please see the Terms and Conditions available on ubs.com/uscards for more details. 6 The item or items you purchase must add up to $100 or more before redeeming. 7 Points will be forfeited if all UBS cards associated with the same card account are closed by you or us. You will have 60 days to redeem your points before they are forfeited. * Important information about the UBS Visa Signature credit card: 13.24% variable APR for purchases, 21.99% variable APR for cash advances, 27.24% variable APR for the penalty rate. For balance transfers, 9.99% intro APR for the first 6 billing cycles; after that, 13.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: None. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies (maximum fee is $250). For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater, applies. For residents of Iowa and Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: 3% of each transaction in U.S. dollars. This fee does not apply to residents of Iowa and Puerto Rico. Subject to credit approval. Information is accurate as of May 2015, and may have changed after that date. To learn what may have changed, please call VISA and VISA SIGNATURE are registered trademarks owned by Visa International Service Association and used under license. The UBS Visa Signature credit card and UBS Preferred Visa Signature credit card are issued by UBS Bank USA with permission from Visa U.S.A. Incorporated. All references to the RMA also apply to the Business Services Account BSA. The RMA and Business Services Account BSA are brokerage accounts. Resource Management Account, RMA and Business Services Account BSA are registered service marks of UBS Financial Services Inc. The phone number for UBS Bank USA is New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods at or UBS Bank USA. All rights reserved. Member FDIC. The key symbol and UBS are among the registered and unregistered trademarks of UBS UBS Bank USA