UBS Benefits Guide

10249 UBS Welcome Kit Brochure Cover 1/28/15

A world of privileges.

Experience your UBS Preferred Visa Signature credit card.

The UBS Preferred Visa Signature credit card

141028-1790

Benefits Guide

10249 UBS Welcome Kit Brochure Intro Spread 1/28/15

Accelerated earning

2

Elite rewards

3

Extraordinary travel

4

Purchase protection

5

Travel protection

6

Superior service

7

Access & 8 Convenience

The UBS Preferred Visa Signature credit card

Explore the outstanding benefits of your card.

Welcome to your UBS Preferred Visa Signature credit card. It provides elite privileges and rewards wherever life takes you.

With no foreign transaction fees* and acceptance at millions of locations worldwide, your card leaves you free to travel everywhere with the ease of a local.

At home or abroad, you’ll enjoy the superior protection and client services you’ve come to expect from UBS. You’ll also earn unlimited rewards points up to three times faster1 toward an impressive array of travel, gift cards, merchandise and experiences.

Discover all the rich possibilities that await you.

ubs.com/preferredcard

800-762-1000

1

10249 UBS Welcome Kit Brochure Intro Spread 1/28/15

Accelerated earning

2

Elite rewards

3

Extraordinary travel

4

Purchase protection

5

Travel protection

6

Superior service

7

Access & 8 Convenience

The UBS Preferred Visa Signature credit card

Explore the outstanding benefits of your card.

Welcome to your UBS Preferred Visa Signature credit card. It provides elite privileges and rewards wherever life takes you.

With no foreign transaction fees* and acceptance at millions of locations worldwide, your card leaves you free to travel everywhere with the ease of a local.

At home or abroad, you’ll enjoy the superior protection and client services you’ve come to expect from UBS. You’ll also earn unlimited rewards points up to three times faster1 toward an impressive array of travel, gift cards, merchandise and experiences.

Discover all the rich possibilities that await you.

ubs.com/preferredcard

800-762-1000

1

10249 UBS Welcome Kit Brochure ‘earn’ Spread 1/28/15

Treat yourself at every stop.

Accelerated earning

Earn unlimited rewards wherever you go.

Go farther, faster with My Choice Rewards, one of the most flexible rewards programs3 available.

Now every purchase you make, from lattes to luxury excursions, can turn into rewards you truly want. Use your card everywhere and you’ll be delighted to see how quickly your points add up.

Earn points up to three times faster.

3 points

2 points

1 point

per dollar on commercial air travel1

per dollar on gas and groceries1

per dollar on everything else

Share and earn even more points.

Request additional cards for people close to you with no added fee.* There’s no limit to the points you can earn and points never expire.2

Fly anywhere with fewer points.

With My Choice Rewards, you can fly on any commercial airline for fewer points than most other rewards programs.3 For example: • Book a $900 flight for 50,000 points – Save up to 40,000 points.

• Book a $350 flight for 25,000 points – Save up to 10,000 points.

Plus, enjoy no blackout dates or booking fees when redeeming points for commercial flights, hotels, or cruises. Just go to the UBS rewards website or let our UBS Rewards Center assist you.

ubs.com/preferredcard

800-762-1000

2

See points add up – from Buenos Aires to Beijing.

10249 UBS Welcome Kit Brochure ‘earn’ Spread 1/28/15

Treat yourself at every stop.

Accelerated earning

Earn unlimited rewards wherever you go.

Go farther, faster with My Choice Rewards, one of the most flexible rewards programs3 available.

Now every purchase you make, from lattes to luxury excursions, can turn into rewards you truly want. Use your card everywhere and you’ll be delighted to see how quickly your points add up.

Earn points up to three times faster.

3 points

2 points

1 point

per dollar on commercial air travel1

per dollar on gas and groceries1

per dollar on everything else

Share and earn even more points.

Request additional cards for people close to you with no added fee.* There’s no limit to the points you can earn and points never expire.2

Fly anywhere with fewer points.

With My Choice Rewards, you can fly on any commercial airline for fewer points than most other rewards programs.3 For example: • Book a $900 flight for 50,000 points – Save up to 40,000 points.

• Book a $350 flight for 25,000 points – Save up to 10,000 points.

Plus, enjoy no blackout dates or booking fees when redeeming points for commercial flights, hotels, or cruises. Just go to the UBS rewards website or let our UBS Rewards Center assist you.

ubs.com/preferredcard

800-762-1000

2

See points add up – from Buenos Aires to Beijing.

10249 UBS Welcome Kit Brochure Redeem Spread 1/28/15

Refresh your space with a bold new look.

Elite rewards

Decisions, decisions.

Choose from thousands of rewards.

The selection is extraordinary.

The joy of redeeming. The comfort of doing it anywhere.

You’ll find that choosing rewards is even easier than earning them.

There are thousands of hand-picked items available, including high-end merchandise, electronics, fine jewelry, unrestricted travel, cruises, hotels, unique experiences, gift cards, and so much more.

Redeem for as little as 2,000 points.

Explore the intuitive UBS My Choice Rewards online experience.

Search, sort and filter rewards options with a click. Choose items for your home, the latest electronics for work or play, or gift cards from your favorite brands. And with the rewards website, booking and redeeming for travel has never been easier.

Pay for anything with points.

With the flexible Personal Choice feature, you can use your points to pay for absolutely any card purchase.4 You can also use points toward paying your monthly card bill. Plus, save when you pay your card annual fee at a special rate of 25,000 points.

Go to ubs.com/onlineservices and click “View Rewards” on the Cash Management tab.

ubs.com/preferredcard

800-762-1000

3

Up your game with a new set of clubs.

10249 UBS Welcome Kit Brochure Redeem Spread 1/28/15

Refresh your space with a bold new look.

Elite rewards

Decisions, decisions.

Choose from thousands of rewards.

The selection is extraordinary.

The joy of redeeming. The comfort of doing it anywhere.

You’ll find that choosing rewards is even easier than earning them.

There are thousands of hand-picked items available, including high-end merchandise, electronics, fine jewelry, unrestricted travel, cruises, hotels, unique experiences, gift cards, and so much more.

Redeem for as little as 2,000 points.

Explore the intuitive UBS My Choice Rewards online experience.

Search, sort and filter rewards options with a click. Choose items for your home, the latest electronics for work or play, or gift cards from your favorite brands. And with the rewards website, booking and redeeming for travel has never been easier.

Pay for anything with points.

With the flexible Personal Choice feature, you can use your points to pay for absolutely any card purchase.4 You can also use points toward paying your monthly card bill. Plus, save when you pay your card annual fee at a special rate of 25,000 points.

Go to ubs.com/onlineservices and click “View Rewards” on the Cash Management tab.

ubs.com/preferredcard

800-762-1000

3

Up your game with a new set of clubs.

10249 UBS Welcome Kit Brochure Travel Spread 1/28/15

Elevate your experiences trip after trip.

Extraordinary travel

Make the most of every journey.

The perfect travel companion, your card and its special privileges will ease your way through the world. Whether your plans call for a private jet to the Bahamas or a suite at a boutique hotel in London, your high standards for comfort and convenience are sure to be met.

Enjoy complimentary Lounge ClubTM access.

Unwind or catch up on work. You’re welcome to enjoy the amenities at over 350 participating airport lounges around the world. Membership is complimentary and renewable every year. Go to ubs.com/loungeclubcard.com to enroll.

Relax with the Any Airport Club program.

Buy a day pass or annual club membership to any airport club in the world. We’ll credit your account up to $500 based on how much you spend on your card annually. Get a $500 credit when you spend $100,000 or more and $250 when you spend $50,000 – $99,999.5 Fly privately with NetJets®.

Your schedule is the only one that matters with NetJets, the worldwide leader in private aviation.

Receive an aviation consultation, a complimentary hour of flight time or one-way upgrade.

Indulge yourself at luxury hotels.

Access the Visa Signature Luxury Hotel Collection to make every stay unforgettable. From out-of-the-way treasures to the opulence of world-famous hotels, every reservation brings you: • The best available rate – guaranteed • Automatic room upgrades upon arrival, when available • Choice of free in-room Internet or valet parking • Complimentary continental breakfast • 3 p.m. checkout when available • VIP guest status • $25 food or beverage voucher Browse the collection at ubs.com/visasignaturehotels. ubs.com/preferredcard

800-762-1000

4

Take in the pleasures of Venice from your balcony.

10249 UBS Welcome Kit Brochure Travel Spread 1/28/15

Elevate your experiences trip after trip.

Extraordinary travel

Make the most of every journey.

The perfect travel companion, your card and its special privileges will ease your way through the world. Whether your plans call for a private jet to the Bahamas or a suite at a boutique hotel in London, your high standards for comfort and convenience are sure to be met.

Enjoy complimentary Lounge ClubTM access.

Unwind or catch up on work. You’re welcome to enjoy the amenities at over 350 participating airport lounges around the world. Membership is complimentary and renewable every year. Go to ubs.com/loungeclubcard.com to enroll.

Relax with the Any Airport Club program.

Buy a day pass or annual club membership to any airport club in the world. We’ll credit your account up to $500 based on how much you spend on your card annually. Get a $500 credit when you spend $100,000 or more and $250 when you spend $50,000 – $99,999.5 Fly privately with NetJets®.

Your schedule is the only one that matters with NetJets, the worldwide leader in private aviation.

Receive an aviation consultation, a complimentary hour of flight time or one-way upgrade.

Indulge yourself at luxury hotels.

Access the Visa Signature Luxury Hotel Collection to make every stay unforgettable. From out-of-the-way treasures to the opulence of world-famous hotels, every reservation brings you: • The best available rate – guaranteed • Automatic room upgrades upon arrival, when available • Choice of free in-room Internet or valet parking • Complimentary continental breakfast • 3 p.m. checkout when available • VIP guest status • $25 food or beverage voucher Browse the collection at ubs.com/visasignaturehotels. ubs.com/preferredcard

800-762-1000

4

Take in the pleasures of Venice from your balcony.

10249 UBS Welcome Kit Brochure Protection Spread 1/28/15

Protect your purchases without a thought.

Purchase protection

Shop with confidence wherever you go.

Enjoy superior protections that come with your card, including chip technology and an array of other security features: 6

• Purchase security – If a card purchase is stolen or damaged within the first 90 days, you can have the item repaired, replaced or reimbursed up to $1,000 per claim.

• Price protection – If you find an Internet offer or print ad with a lower purchase price, we’ll refund the difference up to $500 with a maximum of $1,500 a year.

• Zero Liability Policy – You’re not responsible for unauthorized charges made with your card.

• ID theft resolution services – Receive expert assistance from the same licensed investigator until your identity is restored – plus reimbursement up to $15,000 for covered expenses.

• Chip technology – When you use this card at chipcompatible terminals (common outside of the U.S.), your personal information is more secure. You can also swipe it at home, wherever you see the Visa logo.

• Return protection – If a company or merchant refuses to accept a return within 90 days, we’ll reimburse you up to $250 per item and $1,000 annually.

• Extended warranty – The manufacturer’s warranty is automatically doubled for up to one full year.

• Event ticket protection – You’ll be reimbursed up to $500 per ticket, $2,000 per event and $4,000 a year. ubs.com/preferredcard

800-762-1000

5

10249 UBS Welcome Kit Brochure Protection Spread 1/28/15

Protect your purchases without a thought.

Purchase protection

Shop with confidence wherever you go.

Enjoy superior protections that come with your card, including chip technology and an array of other security features: 6

• Purchase security – If a card purchase is stolen or damaged within the first 90 days, you can have the item repaired, replaced or reimbursed up to $1,000 per claim.

• Price protection – If you find an Internet offer or print ad with a lower purchase price, we’ll refund the difference up to $500 with a maximum of $1,500 a year.

• Zero Liability Policy – You’re not responsible for unauthorized charges made with your card.

• ID theft resolution services – Receive expert assistance from the same licensed investigator until your identity is restored – plus reimbursement up to $15,000 for covered expenses.

• Chip technology – When you use this card at chipcompatible terminals (common outside of the U.S.), your personal information is more secure. You can also swipe it at home, wherever you see the Visa logo.

• Return protection – If a company or merchant refuses to accept a return within 90 days, we’ll reimburse you up to $250 per item and $1,000 annually.

• Extended warranty – The manufacturer’s warranty is automatically doubled for up to one full year.

• Event ticket protection – You’ll be reimbursed up to $500 per ticket, $2,000 per event and $4,000 a year. ubs.com/preferredcard

800-762-1000

5

10249 UBS Welcome Kit Brochure Travel Protection 1/28/15

Go anywhere with peace of mind.

Travel protection

Travel with world-class protections.

It’s comforting to know that you’re covered for the unexpected when you travel. Now you can focus on enjoying your journey, with the premium safeguards that come with your card: 6 • Trip cancellation – Up to $5,000 if you or an immediate family member can’t travel due to accidental injury, disease or physical illness.

• Emergency evacuation and transportation coverage – Up to $100,000 for emergency medical evacuation and transportation services.

• Lost luggage reimbursement – Up to $5,000 if your bags are lost, stolen or misdirected by the carrier.

• Baggage delay coverage – Up to $100 a day for 3 days.

• Auto rental loss/damage coverage – Secondary coverage that reimburses you for damage due to collision or theft up to the value of most rental cars.

• Roadside assistance – Fix a flat, jumpstart a battery, get a tow, and more. You’re covered up to $50 per event, up to four a year.

• Travel accident insurance – Up to $1,000,000 covers you and your family for loss of life, limb, sight, speech or hearing.

ubs.com/preferredcard

800-762-1000

6

Take off with the comforts your card can bring.

10249 UBS Welcome Kit Brochure Travel Protection 1/28/15

Go anywhere with peace of mind.

Travel protection

Travel with world-class protections.

It’s comforting to know that you’re covered for the unexpected when you travel. Now you can focus on enjoying your journey, with the premium safeguards that come with your card: 6 • Trip cancellation – Up to $5,000 if you or an immediate family member can’t travel due to accidental injury, disease or physical illness.

• Emergency evacuation and transportation coverage – Up to $100,000 for emergency medical evacuation and transportation services.

• Lost luggage reimbursement – Up to $5,000 if your bags are lost, stolen or misdirected by the carrier.

• Baggage delay coverage – Up to $100 a day for 3 days.

• Auto rental loss/damage coverage – Secondary coverage that reimburses you for damage due to collision or theft up to the value of most rental cars.

• Roadside assistance – Fix a flat, jumpstart a battery, get a tow, and more. You’re covered up to $50 per event, up to four a year.

• Travel accident insurance – Up to $1,000,000 covers you and your family for loss of life, limb, sight, speech or hearing.

ubs.com/preferredcard

800-762-1000

6

Take off with the comforts your card can bring.

10249 UBS Welcome Kit Brochure Service Spread 1/28/15

Raise the bar with a taste of luxury.

Superior service

Experience service, access and privileges with our compliments.

Your UBS Concierge awaits your request.

Whatever you need, whether at home or away, a UBS Concierge is there to attend to your unique plans and wishes.

VIP amenities – Pamper yourself at extraordinary properties worldwide, including the Visa Luxury Hotel Collection. Enjoy complimentary upgrades and other special benefits. Plus, indulge yourself with elite services at hundreds of exceptional spas.

Preferred dining – Perhaps you’d like restaurant suggestions or a prime table at a popular new Parisian bistro. Consider it done.

Wine exclusives – A personal wine concierge can arrange private vineyard tours, offer recommendations, and help you acquire rare vintages.

Exceptional experiences – Request coveted invitations to award shows, film festivals, world-class sporting events, sold-out concerts, and more.

• A week at the Masters Golf Tournament in first-class accommodations, or private lessons at a top-tier golf course • The Grand Prix at Monaco from a team suite • A wine-tasting weekend in the Napa Valley hosted by a guest chef Travel with ease.

Global luggage delivery service Have your luggage picked up from your home and shipped to your chosen destination domestically or worldwide.

Global chauffeured transportation Enjoy a 15% discount on chauffeured transportation, along with VIP status, complimentary vehicle upgrades, and VIP airport meet and greet service. ubs.com/preferredcard

800-762-1000

7

Take in a show with a simple phone call.

10249 UBS Welcome Kit Brochure Service Spread 1/28/15

Raise the bar with a taste of luxury.

Superior service

Experience service, access and privileges with our compliments.

Your UBS Concierge awaits your request.

Whatever you need, whether at home or away, a UBS Concierge is there to attend to your unique plans and wishes.

VIP amenities – Pamper yourself at extraordinary properties worldwide, including the Visa Luxury Hotel Collection. Enjoy complimentary upgrades and other special benefits. Plus, indulge yourself with elite services at hundreds of exceptional spas.

Preferred dining – Perhaps you’d like restaurant suggestions or a prime table at a popular new Parisian bistro. Consider it done.

Wine exclusives – A personal wine concierge can arrange private vineyard tours, offer recommendations, and help you acquire rare vintages.

Exceptional experiences – Request coveted invitations to award shows, film festivals, world-class sporting events, sold-out concerts, and more.

• A week at the Masters Golf Tournament in first-class accommodations, or private lessons at a top-tier golf course • The Grand Prix at Monaco from a team suite • A wine-tasting weekend in the Napa Valley hosted by a guest chef Travel with ease.

Global luggage delivery service Have your luggage picked up from your home and shipped to your chosen destination domestically or worldwide.

Global chauffeured transportation Enjoy a 15% discount on chauffeured transportation, along with VIP status, complimentary vehicle upgrades, and VIP airport meet and greet service. ubs.com/preferredcard

800-762-1000

7

Take in a show with a simple phone call.

10249 UBS Welcome Kit Brochure Cash Access Spread 1/28/15

Access & Convenience

Enjoy the ultimate in access and convenience.

With your UBS Preferred Visa Signature credit card, you can go anywhere knowing that you can choose to pay easily with your card or with cash.

Access cash worldwide without fees. Get cash at any ATM and bank without paying finance charges or cash advance fees. With the special UBS CashConnect feature, cash advances are automatically repaid each business day from your UBS Resource Management Account® (RMA) if you have sufficient funds. You’ll receive unlimited ATM fee rebates in the U.S., up to $10 per transaction.7 Never pay foreign transaction fees. The 3% fee you’d pay for purchases made outside the U.S. with other cards is automatically waived.* Earn more points easily. Pay recurring bills, like utilities and insurance, automatically with your card to collect points without a thought.

Pay your credit card bill automatically. Set up recurring payments to pay all or part of your credit card bill directly from your Resource Management Account (RMA).

ubs.com/preferredcard

800-762-1000

8

Pay with cash or credit – keep your options open.

10249 UBS Welcome Kit Brochure Cash Access Spread 1/28/15

Access & Convenience

Enjoy the ultimate in access and convenience.

With your UBS Preferred Visa Signature credit card, you can go anywhere knowing that you can choose to pay easily with your card or with cash.

Access cash worldwide without fees. Get cash at any ATM and bank without paying finance charges or cash advance fees. With the special UBS CashConnect feature, cash advances are automatically repaid each business day from your UBS Resource Management Account® (RMA) if you have sufficient funds. You’ll receive unlimited ATM fee rebates in the U.S., up to $10 per transaction.7 Never pay foreign transaction fees. The 3% fee you’d pay for purchases made outside the U.S. with other cards is automatically waived.* Earn more points easily. Pay recurring bills, like utilities and insurance, automatically with your card to collect points without a thought.

Pay your credit card bill automatically. Set up recurring payments to pay all or part of your credit card bill directly from your Resource Management Account (RMA).

ubs.com/preferredcard

800-762-1000

8

Pay with cash or credit – keep your options open.

10249 UBS Welcome Kit Brochure Cash Access Spread 1/28/15

* Important information about the UBS Preferred 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: $495. 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: None. Subject to credit approval.

Information is accurate as of January 2015, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

1 Extra points are based on merchant category code. Groceries not bought at stand-alone grocery stores (such as purchases within a larger retail store) may not qualify. Air travel through online sites other than the airlines’ own sites may not qualify.

2 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.

3 Tickets must be booked through UBS and charged to your UBS Preferred 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.

4 The item or items you purchase must add up to $100 or more before redeeming.

5 Airport club day pass or annual airport club membership must be purchased using your UBS Preferred Visa Signature credit card. You are eligible for a statement credit of up to $250 if your total spending on your card was $50,000 or greater during either the current calendar year-to-date or the prior calendar year, or up to $500, if your total spending on your card was $100,000 or greater during either the current calendar year-to-date or the prior calendar year. You may claim the credit only once for each year in which you quality for a credit. If you do not claim the credit in a year, it will not carry over into subsequent years. You must claim the credit during the same calendar year in which the fee posted to your card account.

VISA SIGNATURE is a registered trademark owned by Visa International Service Association and used under license. The UBS Preferred Visa Signature credit card is issued

by UBS Bank USA pursuant to a license from Visa U.S.A. Incorporated. All other trademarks, registered trademarks, service marks and registered service marks are of their respective companies.

Please note: All references to the Resource Management Account 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. ©UBS 2015. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC®.

UBS Bank USA Please visit our website at http://financialservicesinc.ubs.com/wealth/E-maildisclaimer.html for important disclosures and information about our e-mail policies. For your protection, please do not transmit orders or instructions by e-mail or include account numbers, Social Security numbers, credit card numbers, passwords, or other personal information.

All benefits are subject to limitations. Please see the Terms and Conditions available at ubs.com/creditcard for more detail.

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 800-762-1000 or collect at 201-352-5257 for assistance.

6 7

ubs.com/preferredcard

800-762-1000

9

10249 UBS Welcome Kit Brochure Cash Access Spread 1/28/15

* Important information about the UBS Preferred 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: $495. 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: None. Subject to credit approval.

Information is accurate as of January 2015, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

1 Extra points are based on merchant category code. Groceries not bought at stand-alone grocery stores (such as purchases within a larger retail store) may not qualify. Air travel through online sites other than the airlines’ own sites may not qualify.

2 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.

3 Tickets must be booked through UBS and charged to your UBS Preferred 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.

4 The item or items you purchase must add up to $100 or more before redeeming.

5 Airport club day pass or annual airport club membership must be purchased using your UBS Preferred Visa Signature credit card. You are eligible for a statement credit of up to $250 if your total spending on your card was $50,000 or greater during either the current calendar year-to-date or the prior calendar year, or up to $500, if your total spending on your card was $100,000 or greater during either the current calendar year-to-date or the prior calendar year. You may claim the credit only once for each year in which you quality for a credit. If you do not claim the credit in a year, it will not carry over into subsequent years. You must claim the credit during the same calendar year in which the fee posted to your card account.

VISA SIGNATURE is a registered trademark owned by Visa International Service Association and used under license. The UBS Preferred Visa Signature credit card is issued

by UBS Bank USA pursuant to a license from Visa U.S.A. Incorporated. All other trademarks, registered trademarks, service marks and registered service marks are of their respective companies.

Please note: All references to the Resource Management Account 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. ©UBS 2015. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC®.

UBS Bank USA Please visit our website at http://financialservicesinc.ubs.com/wealth/E-maildisclaimer.html for important disclosures and information about our e-mail policies. For your protection, please do not transmit orders or instructions by e-mail or include account numbers, Social Security numbers, credit card numbers, passwords, or other personal information.

All benefits are subject to limitations. Please see the Terms and Conditions available at ubs.com/creditcard for more detail.

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 800-762-1000 or collect at 201-352-5257 for assistance.

6 7

ubs.com/preferredcard

800-762-1000

9

10249 UBS Welcome Kit Brochure Cover 1/28/15

A world of privileges.

Experience your UBS Preferred Visa Signature credit card.

The UBS Preferred Visa Signature credit card

141028-1790

Benefits Guide