Application for UBS Credit CardsPlease complete legibly and in full. Minimum age: main card 18 years, partner card 16 years. Card issuer: UBS Switzerland AG (hereinafter “UBS”).

I do not yet have a UBS Credit Card and I am therefore applying for the following cards with the spending limits specified below1:

I already hold a UBS Credit Card n Classic/Standard n Gold with the number and am applying for the following additional card(s):

UBS Visa Card ClassicUBS MasterCard Standard

Two-card set for myself:(main cards)n �MasterCard/Visa Card in the first year CHF 50 each subsequent year CHF 100

Two-card set for a person of my choice:(partner cards)n �MasterCard/Visa Card from the first year CHF 25

UBS Special Edition Cards

Two-card set for myself:(main cards)n�MasterCard/Visa Card in the first year CHF 50 each subsequent year CHF 100

Two-card set for a person of my choice:(partner cards)n�MasterCard/Visa Card from the first year CHF 25

UBS Optimus FoundationCharity Cards

Two-card set for myself:(main cards)n��MasterCard/Visa Card in the first year CHF 50 each subsequent year CHF 100

Two-card set for a person of my choice:(partner cards)n��MasterCard/Visa Card from the first year CHF 25

UBS Gold Cards

Two-card set for myself:(main cards)n��MasterCard/Visa Card in the first year CHF 100 each subsequent year CHF 200

Two-card set for a person of my choice:(partner cards)n��MasterCard/Visa Card from the first year CHF 50

Desired additional services Fee

UBS KeyClub bonus program

(excl. Optimus Foundation Charity Cards)

n I am already a UBS KeyClub member and therefore also automatically collect points with these cards.

n I am not yet a UBS KeyClub member and would like to take part in the UBS bonus program.The Conditions of Participation are published on the Internet at www.ubs.com/keyclub and can also be ordered from UBS KeyClub Customer Service (toll-free 0800 810 600). By using my UBS Credit Card I recognize these conditions as binding. Membership is free of charge.I agree that the particulars I have given may be used by the bank for marketing purposes.

Free of charge

UBS Travel Insurance Plus

(suitable for persons ordinarily in Switzer-land or the Principality of Liechtenstein)

n Valid from card issue n Valid from

The provision of insurance is governed by our General Conditions of Insurance (GCI). Our GCI and further information are available at www.ubs.com/travelinsuranceplus. The annual fee of CHF 72 is charged directly to the credit card account (in addition to the annual fee for the UBS main card). UBS Travel Insur-ance Plus includes the following insurance components: travel cancellation, flight delay, luggage insurance, purchase protection, treatment costs abroad and travel interruption. Persons insured: the main cardholder and the main cardholder’s spouse or domestic partner and children under the age of 25 living in the same household. A copy of the GCI will be sent together with a letter confirming the insurance coverage. The insurer is AGA International S.A., Paris, Wallisellen branch (Switzerland).

CHF 72 per year

Priority Pass n For UBS Gold Cards Free of charge

My personal details

n Ms n Mr

Last name:

First name:

Home address:

Postcode, city:

Country of domicile:

Previous address:

Tel. (home):

Tel. (work):

Mobile phone:

Personal code word to identify the cardholder when telephone inquiries are made:

Correspondence language:

n English n German n French n Italian

Date of birth:

Nationality:

Marital status:

Only for persons resident in Switzerland who do not have a Swiss passport: Swiss foreign nationals permit (issued by the immigration authorities) type:(please attach copy)

Address abroad:

n If you do not have a UBS bank account, please: • attach a copy of your identification document and check the appropriate

box: �n Passport n Identity card n Swiss driving license

• complete the “Verification of the beneficial owner’s identity” section

My professional activity

Profession:

Position:

Gross annual income in CHF:

Employer:

Postcode, city:

Employment relationship: n Permanently employed n Temporarily employed

n Ms n Mr

Last name:

First name:

Home address:

Postcode, city:

Date of birth:

Nationality:

Country of domicile:

Mobile phone:

Bank:

Postcode, city:

Contact person:

Account no.:

Clearing no.:

IBAN (International Bank Account Number):

Payment with paying-in slip

n ��I would like to pay my monthly invoices via paying-in slip.

Payment via direct debit (LSV+ with right of revocation)

n ��I instruct UBS to charge the bank account as shown monthly via direct debit (LSV+).

My bank details and desired method of paymentPlease provide bank details even if you are paying via paying-in slip.

Personal details of partner cardholder

Verification of the beneficial owner’s identityPursuant to the Agreement on the Swiss Banks’ Code of Conduct with regard to the Exercise of Due Diligence (CDB)

The main cardholder hereby declares that the assets used to settle credit card bills of the main cards and the partner cards (if applicable) or paid to the issuer of the card in excess of such amount:(please tick the applicable box, only mark one box)

n only belong to the main cardholder

n belong to the following person(s): (please provide all the information on this person/company as requested below.)

Last name, first name, nationality, date of birth, home address, postcode, city, country of domicile:

The main cardholder undertakes to automatically inform UBS of any changes. Under Art. 251 of the Swiss Penal Code (falsification of documents) deliberately providing false information in this section is a criminal offense punishable by a prison sentence of up to five years or a fine.

Declaration regarding status as Non-US Person or US PersonPlease tick the appropriate boxes to indicate whether the main cardholder, partner cardholder and beneficial owner (where this person is not the main card holder) are US Persons. US Persons are those who1) hold US citizenship,2) were born in the United States (or in a US territory),3) hold a green card (irrespective of expiry date),4) for the purposes of US tax are either resident in the United States or are physically present in the United States for a substantial number of days as defined on

the basis of the Substantial Physical Presence Test3

Please tick as appropriate:

US-Person?

No Yes If “yes”: specify basis for US Person status (reason 1 to 4, see explanation)

Main cardholder n n n 1 n 2 n 3 n 4

Partner cardholder n n n 1 n 2 n 3 n 4

Beneficial owner n n n 1 n 2 n 3 n 4

The main cardholder undertakes to automatically inform UBS of any changes.

SignaturesThe applicant confirms that the information provided in this application is true and accurate. Furthermore, he2 declares that he has received and accepted the enclosed General Terms and Conditions (GTC) governing the use of UBS credit cards. Finally, the applicant authorizes UBS (and UBS Card Center Ltd, which conducts card-related business on behalf of UBS) to obtain all information required to check this card application and process the contract and to file reports (as explained in the General Terms and Conditions under point 9, “Obtaining, processing and disclosure of data/involvement of third parties”). UBS is also authorized to store, process, use and analyze contract and transaction data in order to prepare client profiles and also for market research purposes (as described in more detail in point 9.7 of the GTC). This should ensure that UBS clients receive individual advice as well as tailored offers and information about UBS products and services. UBS reserves the right to refuse this application without stating its reasons or to set a lower spending limit than the standard limit for credit-worthiness reasons. Upon acceptance of this application by UBS, the applicant will receive a written confirmation of acceptance, the UBS Credit Card and PIN code. By signing and/or using the UBS Credit Card the applicant confirms that he has accepted the contents of the confirmation of acceptance.

Addendum for the UBS Optimus Foundation Charity Card: The applicant is aware that he cannot deduct the annual transfers that UBS makes to the UBS Optimus Foundation from his taxable income as a contribution to a charitable organization. Furthermore, the applicant is also aware that UBS and the UBS Optimus Founda-tion will not issue a statement that shows the contributions made. The applicant also authorizes UBS and the UBS Optimus Foundation to exchange client data (personal details, memberships, etc.) where necessary in order to process and coordinate the business relationship between the applicant, the UBS Optimus Founda-tion and UBS.

Place, date Signature of main cardholder

Place, date Signature of partner cardholder

Please send your card application to:UBS Switzerland AG, Flughofstrasse 35, P.O. Box, 8152 Glattbrugg

1 The spending limit represents the overall spending limit for all cards (global limit). • Standard limit Classic / Standard, Special Edition, Optimus Foundation: CHF 5,000 • Standard limit Gold: CHF 10,000

2 The singular form also includes the plural, and all masculine terms referring to persons refer to persons of both genders.3 You are considered a US resident if you meet the Substantial Physical Presence Test. You meet this test if, during the current year, you were present in the US for at least 183 days or, if less

but at least already during 31 days, according to the following formula: [number of days in the current year x 1] + [number of days in the first preceding year x 1/3] + [number of days in the second preceding year x 1/6] => 183 days.

00005162 HK 04/01 PK 01 ZW 03

To be completed by the bank n C1 n C2 n C3

BC number: Global limit:

Contact person: Tel.:

Date: Place:

General Terms and Conditions for the use of UBS Credit Cards

These General Terms and Conditions (GTC) govern the legal relationship between UBS Switzerland AG (hereinafter “UBS”) and the person applying for the card or the holder1 of the UBS VISA and/or UBS MasterCard Credit Cards (hereinafter referred to as the cardholder).

1 Issue of card1.1 Upon approval of the card application by UBS, the applicant receives

a written confirmation of acceptance, the requested UBS VISA and/or UBS MasterCard Credit Card(s) (hereinafter referred to as the card) and the associated PIN code for each card. By signing and/or using the card, the cardholder confirms that he has received the GTC and accepted their content.

1.2 The cardholder may request the issue of additional and partner cards (hereinafter likewise referred to as cards).

1.3 Each card issued remains the property of UBS.

2 Use of the card and authorization of transactions2.1 Transactions may be authorized at merchants worldwide, subject to

the individual card and cash withdrawal limits (hereinafter referred to as spending limits):

2.1.1 by entering the PIN code, signing the sales slip or by simply using the card (for example in car parks, at tollbooths or for contactless pay-ments) when paying for goods or services or when withdrawing cash at an ATM or bank counter, or

2.1.2 by giving the cardholder’s name as it appears on the card, the card number, the expiry date, and, if requested, the three-digit security code (CVV, CVC) when paying for goods or services by telephone, by correspondence or online. When using online shops on the internet that are 3-D-Secure enabled, the password must also be entered when the correct security message appears.

2.2 The cardholder acknowledges all transactions authorized in accor-dance with point 2.1 and the resulting claims of merchants respec-tively. At the same time, he irrevocably instructs UBS to automatically settle the claims of merchants.

2.3 The cardholder undertakes to use his card only to the extent that his financial circumstances allow. It is prohibited to use the card for ille-gal purposes.

2.4 UBS may at any time modify the options for using the card (point 2.1) as well as the spending limit. The spending limit is shown on the monthly statement and in UBS Cards Online or may be requested from Customer Services.

3 Costs/interest3.1 Costs, fees, commissions and credit interest may be charged to the

cardholder in connection with the card and its use. These charges shall be brought to the attention of the cardholder together with the card application and/or in an appropriate manner and may be requested from Customer Services at any time or accessed online at www.ubs.com/cards. Furthermore, third-party costs may be passed on and expenses incurred by the cardholder shall also be charged.

3.2 Amendments to prices/interest rates which are in line with changing market conditions or costs may be made at any time via adjustments to the fee schedules/product information sheets – in justified cases without prior notification to the cardholder. Such amendments shall be communicated to the cardholder in an appropriate manner. Upon notification and in the event of objection the cardholder shall be free to cancel the card with immediate effect.

3.3 In the event of transactions in a different currency than the card currency, the exchange rate from the day preceding the date of booking is applied and an additional processing fee is charged.

4 Invoicing/methods of payment4.1 UBS shall grant the cardholder a credit in the amount of the

spending limit, which shall be managed as a current account facility on the credit card account. All transactions authorized in accordance with point 2 and the costs/interest pursuant to point 3 shall be booked to a credit card account. Annual interest amount-ing to a maximum of 15% shall be charged on all transactions as well as costs, fees and commissions (with the exception of charged credit interest) from the date of the transaction in question. The interest rate currently applicable may be obtained from Customer Services.

4.2 The cardholder shall receive a statement each month containing all transactions authorized in accordance with point 2 and the costs/ interest owed pursuant to point 3 and is obliged to pay these. Any disputes in relation to discrepancies and complaints about goods or services and any resulting claims (see point 6.1) do not release the cardholder from his obligation to pay the monthly statements.

4.3 Provided the selected credit card product does not include a pay-ment in installments option, the cardholder is obliged to settle the entire statement amount by the payment date indicated on the statement at the latest using a payment type accepted by UBS. This also applies to cardholders who are domiciled abroad as they must not use the payment in installments option (point 4.4).

4.4 If the credit card product includes a payment in installments option and the cardholder does not live abroad, he may choose between paying the entire statement amount (section 4.3) or transferring an installment (minimum amount: 5% of the statement amount but no less than CHF/USD/EUR 50) by the payment date indicated on the statement at the latest.

4.5 If the entire statement amount is paid on time, UBS shall not charge the annual interest amounting to a maximum of 15% on the transaction amounts (point 4.1).

4.6 If, however, the statement amount is not received or is not received in full by the stipulated date, the annual interest amounting to a maximum of 15% shall be charged on all transaction amounts as well as costs, fees and commissions (with the exception of charged credit interest) from the date of the transaction in question. The interest payable is dis-played and billed in the statement for the following month. (Partial) payments are taken into account in the further inter-est calculation after being booked and are initially offset against open interest receivables.

4.7 If a payment is not made or an installment of less than the minimum amount (section 4.4) is paid, the outstanding part of the minimum amount is added to the minimum amount of the following monthly statement (5% of the next statement amount but no less than CHF/USD/EUR 50). In this case, UBS also has the right to demand the im-mediate payment of the entire open statement amount (including charges/interest pursuant to point 3) and to block the card. Any reminder and collection fees shall be borne by the cardholder.

5 Obligation to exercise due care The cardholder is in particular obliged to exercise the following du-

ties of care.5.1 The card must be signed by the cardholder, in the area provided for

this purpose, immediately upon receipt.5.2 The PIN code, password and security message for 3-D Secure

(hereinafter authentication details) and the card must be kept with particular care and separate from each other. The card and au-thentication details must not be sent, passed on or made accessible to third parties in any other way (e.g. by not conceal-ing the PIN code when entering it). The authentication details must never be noted on the card or saved electronically (not even in an al-tered form) and must not be easily ascertainable (e.g. telephone numbers, dates of birth, car license numbers). If there is reason to assume that another person is aware of these authentication details, the cardholder must change these details immediately.

5.3 The cardholder must always know where his card is and regularly en-sure that it is still in his possession.

5.4 The monthly statements must be checked immediately upon receipt, at best against the sales and transaction receipts. If the cardholder wishes to object to any discrepancies, in particular debits resulting from misuse of the card, he must report this to Customer Services immediately upon receipt of the monthly statement, but in any case no later than 30 days (date of postmark) of the state-ment date by written notice of complaint sent to the address of UBS. If the objection is not submitted in time, this may result in the card-holder violating his obligation to minimize losses and in his being held responsible for the resulting losses.

5.5 The cardholder must report any instance of loss, theft, confisca-tion or misuse as well as suspicion thereon immediately to Customer Services, regardless of any time difference. If there is sus-picion that a criminal act has occurred, the cardholder must further

1 The singular form also includes the plural, and all masculine terms refer to persons of both genders.

ab UBS Switzerland AGFlughofstrasse 35P.O. BoxCH-8152 GlattbruggTel. +41-44-828 31 34

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report this to the local police in Switzerland or abroad immediately and take all reasonable steps to assist in clearing up the matter and minimizing the loss or damage incurred.

5.6 If the card is blocked/cancelled, the cardholder shall be obligated to inform all merchants that are paid using the card for recurring ser-vices (e.g. newspaper subscriptions, memberships, online services) of the block/cancellation.

5.7 Expired, invalid or blocked cards must be automatically and immedi-ately rendered unusable. Cancelled cards must be returned to UBS.

5.8 If the cardholder fails to receive a new card at least 15 days before the expiry of the preceding card, the cardholder must report this to Customer Services immediately.

5.9 Changes to the information given on the card application (name, ad-dress, account number, etc.) must be reported to UBS in writing within 15 days.

6 Responsibility/liability6.1 The cardholder shall be liable for all liabilities arising from the use of

the card. The holder of the main card shall be jointly and severally liable for all liabilities arising out of the use of additional and partner card(s), even if the holders of said cards receive separate monthly statements. Any disputes in relation to discrepancies and complaints about goods or services and any resulting claims must be settled directly by the cardholder with the involved merchant. When return-ing goods, a credit confirmation must be requested from the mer-chant; when cancelling a transaction, a confirmation of cancellation must be requested.

6.2 Until the card is blocked, the cardholder is responsible for all transactions authorized in accordance with point 2.1. In prin-ciple, the cardholder is liable for any risks resulting from misuse of the card. In any case the cardholder is liable for all transactions au-thorized using the PIN code. In all other cases, where a complaint is filed within the stipulated period (point 5.4), UBS shall assume responsibility for loss or damage resulting from misuse of the card by third parties, provided the cardholder has in all respects complied with these GTC (in particular the obligation to exercise due care under point 5), and to the extent that he is not in any way to blame. Persons related to or otherwise associated with the cardholder, e.g. partners, authorized agents and persons living in the same house-hold, shall not be deemed to be third parties.

6.3 Loss or damage resulting from the forwarding of the card and/or authentication details shall be borne by the cardholder.

6.4 Loss or damage incurred by the cardholder in connection with the possession or use of his card shall be borne solely by the cardholder. UBS assumes no liability if a merchant refuses to accept the card as a means of payment or if, due to a technical defect, limit adjustment, termination or blocking, the card cannot be used.

6.5 Notwithstanding any cancellation/blocking of the card, UBS remains entitled to charge the cardholder for all amounts relating to recur-ring services (see point 5.6).

6.6 UBS accepts no liability for benefits or additional services made avail-able with the card or for loss or damage covered by an insurance policy.

7 Card renewal7.1 The card as well as the benefits and additional services connected

therewith shall expire at the end of the month/year embossed on the card. A new card shall be supplied to the cardholder in good time unless the contractual relationship has been terminated.

7.2 If the cardholder neither wishes to renew his card nor the additional and/or partner card(s), UBS must be notified accordingly in writing at least two months before the expiry of the card, failing which the an-nual fee for the card in question will be charged.

8 Blocking/cancellation8.1 The cardholder or UBS may at any time and without giving reasons

arrange for the card to be blocked or the contractual relationship to be terminated. Termination of the main card automatically entails termination of all additional and/or partner cards.

8.2 Upon termination, all sums outstanding on the card(s) automatically become due for payment. The cardholder has no entitlement to a pro rata reimbursement of the annual fee.

9 Obtaining, processing and disclosure of data/involvement of third parties

9.1 UBS may obtain from public bodies, residents’ registration offices and the Central Credit Information Office (hereinafter referred to as ZEK; members of ZEK include companies from the consumer credit, leasing and credit card sectors) all information required to check the credit card application and process the contract, and notify ZEK accordingly in the event of blocked cards, serious payment arrears or misuse of cards. ZEK shall be expressly authorized to make this data available to all ZEK members. To this extent, the cardholder releases these entities from the obligation to maintain bank-client confiden-tiality, data protection and official confidentiality.

9.2 The cardholder further acknowledges that under the Swiss Consumer Credit Act, UBS is obliged to obtain from the Consumer Credit Infor-mation Office information relating to liabilities of the cardholder re-ported to said Office. In addition, under the Consumer Credit Act, UBS is obliged under certain circumstances to report any amounts outstanding to the Consumer Credit Information Office.

9.3 UBS may engage the services of third parties in order to per-form its duties. In particular, the cardholder agrees that UBS Card Center Ltd – which conducts UBS card business on behalf of UBS – and its agents (e.g. for the production of cards) shall be given access to his data insofar as this is necessary for the diligent performance of the tasks assigned to them.

9.4 The international card organizations (VISA International and Master-Card International respectively) and their contractors responsible for processing card transactions on their behalf shall be informed solely of the relevant transaction data (e.g. card and transaction reference number, transaction and invoice amount, booking and invoice date and information on the merchant). In certain cases (e.g. purchase of flight tickets, hotel bills, car rental, purchase of fuel) they will also be informed of the name of the cardholder or the name of the person for whom the transaction was executed.

9.5 The cardholder further accepts that merchants in Switzerland shall also forward transaction data to the card issuer UBS and its agent UBS Card Center Ltd respectively via the global VISA or MasterCard networks.

9.6 If payment is made by direct debit from an account held with another bank, UBS is authorized to disclose the necessary data (name of the cardholder, address, number of the credit card account and the invoice amount) to this bank.

9.7 UBS is authorized to store, process and use contract and trans-action data. In particular, UBS itself or third parties acting on behalf of UBS may evaluate the named data, create client pro-files on the basis of this data and also use it for market research purposes. This should ensure that UBS clients receive individual advice as well as tailored offers and information about UBS products and services. The following data is typically processed: details on the cardholder, credit card account, card transactions and additional services. The client can forego offers and information about UBS products and services at any time. Customer Services must be informed of this wish in writing. Third parties and their employees acting on behalf of UBS are obligated to comply with the Swiss Data Protection Act.

9.8 UBS shall be permitted to send the cardholder fraud warnings to the cell phone number that he has specified.

9.9 UBS shall be authorized to assign all claims in respect of the card-holder to third parties at any time.

10 Further provisions10.1 In justified cases UBS is entitled to modify the GTC at any time. UBS

communicates such modifications in advance and in an appropriate manner. The amendments shall be deemed to have been accepted by the cardholder unless an objection is raised in writing within one month of notification, but in any event when the card is first used. In case of objection and in case the cardholder is unable to reach an agreement with UBS, the cardholder shall be free to cancel the card with immediate effect before the amendments become effective.

10.2 This Agreement shall be governed by and construed in accordance with substantive Swiss law. Subject to mandatory jurisdictions pro-vided by law the exclusive place of jurisdiction for all legal proceedings shall be Zurich or the location of the branch holding the account. This shall also be the place of performance, and the place of debt collection for cardholders domiciled abroad.

June 2015 edition

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