Rewards for the Way You Live. and Dream

Rewards for the way you live. And dream.

The UBS Preferred Visa Signature credit card rewards and benefits guide. Your guide to exclusive rewards, superior service and worldwide protection benefits

You may be surprised at the range of rewards and benefits that are available to you with the UBS Preferred Visa Signature credit card. This brochure was created to help you take full advantage of your card, including such perks as accessing any airport clubs worldwide.

The card was designed exclusively for UBS clients and focuses on providing a higher level of service. Our customer service representatives are highly trained and 100% based in the United States. The UBS Concierge is resourceful and can handle almost any request, from travel arrangements to locating the perfect gift for a loved one.

You’ll also be able to shop and travel with confidence. You’re covered with a variety of protection benefits that go beyond the ordinary to include Price Protection, Return Protection and even Event Ticket Protection features. Plus, we’re there for you when you travel, including providing you with roadside assistance and emergency medical evacuation coverage.1

Thank you for being a UBS client. We trust that this guide will help bring to life the adventures that await you. And it all starts now.

Content is accurate as of January 2017, and subject to change. For current information, please call 800-762-1000. Cash access Protection

The world is Cash access 3 Protection 4 Travel your oyster Travel 7 (See “Fine dining,” page 24) Hotels 9 Airlines 12 Cars 13 Cruises 13

UBS Concierge 15 UBS Concierge

My Choice Rewards 19 Personal Choice feature 20 Travel 22 Food and dining 24 Shopping 26 Experiences 32 Charitable donations 34 My Choice Rewards

1 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard

Cash access

Access cash worldwide without the cash advance fees

A credit card that you’ll want Unlimited ATM fee rebates Did you know? to use at the ATM As a UBS card client, you’ll also receive Another convenient payment feature is You’ll be able to get cash at banks and unlimited ATM fee rebates up to $10 each the UBS Pay Credit Card, which enables ATMs worldwide without the typical for cash withdrawals made in the U.S.3 you to automatically pay your card balance finance charges and cash advance fees. from your RMA, so you won’t have to That’s because with the unique UBS Worldwide acceptance worry about missing a payment and CashConnect feature, your cash Visa is welcomed at more merchants incurring late fees.4 Pay the full amount, advances are automatically repaid each and ATM locations than any other card. the required minimum or anywhere in business day from your UBS Resource between each month. Management Account (RMA).2 As long The convenient way to pay as you have sufficient funds available, Your card provides you with maximum you won’t ever incur finance charges or flexibility when it comes to shopping. You cash advance fees. can pay with your credit card, or if you’d prefer, take advantage of the CashConnect feature to access funds at any ATM or bank so you can pay with cash. It’s your choice.

3 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Purchase and travel protection benefits designed to give you greater peace of mind

More than ever, it’s important to feel • Return protection confident that you’re covered. That’s If you attempt to return an item that why your card provides you with you bought in the U.S. with your an elite level of purchase and travel card within 90 days of purchase and protection benefits.1 the company or merchant refuses to accept it, we’ll reimburse you up to Shop with confidence $250 per item and $1,000 annually • Purchase security If something you buy with your card • Price protection is stolen or damaged within the first If you buy an item in the U.S. using 90 days, you can have the item your card and then find an Internet repaired, replaced or reimbursed up offer or print ad with a lower price, to $1,000 per claim we’ll refund the difference up to $500—with a maximum of $1,500 • The Zero Liability Policy for annually unauthorized purchases You’re not responsible for • Warranty manager service unauthorized charges made with Automatically doubles the your card5 manufacturer’s warranty on purchases you make with your card • Identity theft esolutionr services for up to one additional year Receive expert assistance throughout your entire process until your identity is restored

4 Protection

• Personal identity theft coverage • Delayed luggage coverage • Auto rental collision damage waiver Reimburses you up to $15,000 for Up to $100 a day for three days Secondary coverage that reimburses covered expenses incurred while you for damage due to collision or theft restoring your identity • Trip cancellation/trip up to the value of most rental vehicles interruption insurance • Event Ticket Protection Up to $5,000 if you or an immediate • Roadside assistance When you use your card to purchase family member can’t travel due to Whether it’s to fix a flat, jump-start tickets to a show in the U.S. and you’re accidental injury, disease or physical a battery, fill an empty tank or give unable to go due to transportation illness you a tow, you are covered up to problems or a medical reason, we’ll $50 per event, for up to four service reimburse you up to $500 per ticket, • Travel and emergency events per year $2,000 per event and $4,000 annually assistance services At your service 24/7 for medical • Emergency card replacement Travel with greater peace of mind referrals, legal assistance, ticket and cash disbursement • Emergency medical evacuation replacement and more So you’re never left stranded if you and transportation coverage lose your card or if it’s stolen Up to $100,000 for emergency medical • Travel accident insurance evacuation and transportation services Up to $1,000,000 covers you and • 24/7 access to UBS Client Services your family for loss of life, limb, sight, When you need help or have questions, • Lost luggage reimbursement speech or hearing we’re always a phone call away at Up to $5,000 if your bags are lost due to 800-762-1000 theft, misdirected by the carrier or stolen • Trip delay reimbursement Up to $300 per common carrier ticket Certain terms, conditions and restrictions for cost of meals and lodging if travel is apply. To review the complete Terms & delayed over 12 hours Conditions, visit ubs.com/preferredcards.

5 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard

Travel

The essential card for the Say “no” to foreign purchase Did you know? seasoned traveler transaction fees There are no blackout dates on Your UBS Preferred Visa Signature credit Whenever and wherever you travel your flights when you redeem your card is a great traveling companion. outside the United States, the 3% My Choice Rewards points. Just book In fact, when you use your My Choice foreign purchase transaction fee will your trip by calling the My Choice Rewards points for flying, you can get be automatically waived—every time.7 Rewards program through UBS Client a ticket worth up to $900 on any airline Services at 800-762-1000 or by visiting for just 50,000 points (saving you up Travel planning assistance UBS Online Services. to 40,000 points).6 Access travel planning experts who can arrange flights, transfers and complex itineraries without concierge fees. For a comprehensive list of UBS Concierge services, see page 15.

7 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard 8 Travel: Hotels

Hotels

Unique hotel properties, upgrades As a UBS Preferred Visa Signature Visit the Visa Signature Luxury Hotel and amenities credit card client, you’ll enjoy a unique Collection website to view detailed The Visa Signature Luxury Hotel set of benefits when you book through information on all properties. Your benefits Collection delivers a comprehensive the Visa Signature Luxury Hotel Collection, are activated automatically when you collection of benefits. A selection of including:8 book through the site. To get started, visit superior properties—like the Mandarin • Best available rate guarantee ubs.com/visasignaturehotels. Oriental, Park Hyatt® and Aman Resorts— • Automatic room upgrade upon arrival, comprise the Visa Signature Luxury Hotel when available Collection. From boutique gems to world- • Free in-room Internet famous resorts, each hotel is evaluated • Complimentary continental breakfast annually to ensure it continues to meet • 3:00 p.m. checkout, when available program standards. • VIP guest status • $25 food or beverage voucher

Top left: Machu Picchu Sanctuary Lodge Top center: Meridien Bora Bora Top right: Fairmont Pacific Rim Bottom: Park Hyatt Paris-Vendôme

9 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Preferred hotels, resorts and villas Hotel gift cards to enhance your stay In addition to the Visa Signature Luxury Redeem points for a wide range of gift Hotel Collection, your UBS Concierge can cards to use for your room and at the also arrange special benefits and amenities hotel gift shop, spa and restaurants. at many four-star and five-star properties and private vacation villas worldwide. Call your UBS Concierge at 800-762-1000 for more information or assistance in planning your next trip.

No blackout dates on hotels Book and pay for your hotel reservation using your UBS Preferred Visa Signature credit card and then use the Personal Choice feature to redeem your rewards points, and you won’t be limited by blackout dates.

10 Travel: Hotels

11 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Airlines

Any Airport Club program Take off with NetJets® With the Any Airport Club program, Fly virtually whenever and wherever you you can now use your card to buy a day want to go with NetJets, the worldwide pass or annual club membership at your leader in private aviation. Exclusive choice of airport clubs, and we’ll credit benefits available to UBS Preferred Visa your card account based on your annual Signature credit card clients include card purchases.9 Simply call us to get your a private aviation consultation, one credit once the airport club membership complimentary hour of flight time with fee is posted to your card, and you’ll your first 25-hour Marquis Jet Card® receive up to: or guaranteed one-way upgrade and • $500 when you spend $100,000 or simultaneous usage the first year of a new more in a calendar year NetJets ShareTM, and the ability to earn • $250 when you spend $50,000 reward points for flight hour redemptions. –$99,999 in a calendar year Did you know? International airport club access Your UBS card entitles you to special flight Enjoy complimentary Lounge ClubTM discounts on every airline. You’ll save up access to over 325 international and 25 to 40,000 points per ticket because you domestic participating airport lounges. can book a ticket worth up to $900 for Your membership is complimentary and just 50,000 points.6 Plus, there are no renewable every year. To enroll, visit blackout dates to restrict you. ubs.com/loungeclubcard.

12 Travel: Airlines, cars and cruises

Cars and cruises

Whether you’re flying, driving or Gift cards for the road ahead Cruises relaxing on a cruise, your card Redeem points for a wide range of Take a tropical Caribbean vacation or automatically covers you with the rental car gift cards that can put you experience the wonders of Alaska from following protection benefits:1 in everything from an SUV to a luxury the luxury of a cruise ship. Your card can convertible. And keep the tank full with help you set sail on a great adventure at • Travel accident insurance our fuel gift cards. a special price reserved exclusively for Up to $1,000,000 covers you and your you, including: family for loss of life, limb, sight, speech • Shipboard credits, hosted cruises and or hearing complimentary shore excursions are available when booking through the • Auto rental collision damage waiver UBS Concierge. Secondary coverage that reimburses you for damage due to collision or theft up to the value of most rental cars

• Roadside assistance Whether it’s to fix a flat, jump- start a battery, fill an empty tank or give you a tow, you are covered up to $50 per event, for up to four service events per year

13 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard

UBS Concierge

One of the things that truly distinguishes And when you’re looking for that last- VIP access to events your UBS Preferred Visa Signature credit minute reservation to the most coveted Our members have enjoyed: card from the competition is the UBS restaurant in town, your UBS Concierge • American Idol and Dancing With Concierge. They’ll provide an extraordinary can help. Whether your request is big or the Stars finales level of service, catering to your needs small, take advantage of the variety of • MTV Video Music Awards and whims around the clock. services now available to you. • Elton John AIDS Foundation Academy Awards® Oscar Viewing Party Planning Call the UBS Concierge at 800-762-1000 The UBS Concierge will not only book your to ask about any of the unique services Extraordinary experiences flights, but also help arrange all aspects you can use at home or away, such as: • Spend a week at the Masters of your trip, even arranging to have your Golf Tournament in first-class luggage picked up at your home and Preferred dining network accommodations delivered to your hotel. Whether you need Reservations and top-of-waitlist status at • Watch The Grand Prix at Monaco from help planning a trip or throwing a party, some of the best restaurants in the U.S. a team suite you can count on the UBS Concierge every are yours on request. • Enjoy a private dinner hosted by Chef step of the way. Michael Chiarello as a special guest of Wine program the Napa Valley Film Festival Access Enjoy personalized recommendations The UBS Concierge can help you gain and trophy wines, private wine cellar access to today’s biggest events, from a consultations and exclusive winery access. concert in London to a Broadway show.

15 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard UBS Concierge benefits

VIP international airport service Preferred pricing (up to a 20% discount) on meet and greet with expedited check-in and security procedures

Global luggage delivery service Have your luggage picked up from your home and shipped to your chosen destination domestically or worldwide. Send your second bag free on your first use, and receive a 20% discount on all subsequent shipments, as well as a complimentary insurance upgrade up to $2,000 for all shipments.*

Global chauffeured transportation Special rates, complimentary car upgrade and personal preferences

Wine program Exclusive wines, private estate access, immersion tours and VIP events

Preferred dining Expert recommendations and reservations at the finest restaurants in the world

*Please also note that your free second bag on your first trip is only applicable to delivery within the continental U.S.

16 UBS Concierge benefits

UBS Preferred Visa Signature Concierge benefits

Golf Stay-and-play offers at leading resorts worldwide

Tailored travel arrangements Exclusive and customized cultural, epicurean and adventure travel experiences

VIP access Exclusive access to live sports, entertainment and food and wine events, such as the Tribeca Film Festival, the Masters Golf Tournament and the Grand Prix at Monaco

Preferred luxury hotels, Special benefits and amenities at four-star and five-star properties and private resorts and villas vacation villas worldwide, including the Mandarin Oriental, St. Regis and Fairmont Hotels. Amenities include room upgrade, breakfast, spa and resort credits, welcome gift, early check-in, late checkout and dining discounts.

Cruise program Shipboard credits, hosted cruises and complimentary shore excursions available on several cruise lines, such as Regent Seven Seas Cruises, Silversea®, Amazara Club Cruises and Holland America Line®

Speak with your UBS Concierge to discover the full range of global travel services, special travel and lifestyle offers available to you.

17 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard

My Choice Rewards

My Choice Rewards program

Access the power of 3-2-1 and merchandise. Or with the Personal A bright idea—earn points Use your UBS Preferred Visa Signature Choice feature, you can use your points on your monthly electric bill credit card everywhere. With accelerated to pay for anything you purchase with When you use your card to pay your bills, earning, it can take you anywhere—up your card.11 whether for a one-time transaction or a to 3 times faster. recurring billing payment such as your • Earn 3 points for every dollar spent on Points never expire monthly electric bill, you’ll earn My Choice eligible air travel10 With the My Choice Rewards program, Rewards points even faster. • Earn 2 points for every dollar spent on your points never expire and there’s no eligible gas and grocery purchases10 cap on how many points you can earn.12 • Earn 1 point for every dollar spent on Did you know? all other eligible purchases No blackout dates on flights or hotels You can pay the $495 annual card fee by Just book a flight or a hotel on your redeeming rewards points at the special Rewards as unlimited as your favorite travel website using your UBS rate of just 25,000 points.7 imagination Preferred Visa Signature credit card and My Choice Rewards is one of the then redeem your rewards points to most flexible rewards programs in the cover the cost—you won’t be limited industry. Choose from a wide selection by blackout days during even the of traditional rewards like travel, gift cards busiest holidays.

19 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard A rewards program that doesn’t know the meaning of the word “no.”

With the Personal Choice feature of There are no hidden restrictions or the My Choice Rewards program, you’ll complicated rules. And redeeming points is have the freedom to redeem your points easy—just go to ubs.com/onlineservices to pay for anything you buy with your or call UBS Client Services any time at card. So there’s no limit to how you can 800-762-1000. reward yourself.

A cruise around the world. Tennis lessons for the kids. Airline tickets. Hotels. Jewelry. Groceries. Just as long as you redeem your rewards points for a minimum of $100 in purchases, you’re free to use them any way you want. It’s your choice.

20 My Choice Rewards: Personal

21 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Travel

In addition to the stellar travel perks you Hotels get with your card, such as airport lounge access privileges and having all your Since there are no blackout dates with foreign purchase transaction fees waived, the Personal Choice feature, you can stay your My Choice Rewards points are your wherever you like without restrictions. ticket to great travel adventures, reduced From a romantic villa in Tuscany to a airline redemption rates and a lifetime full five-star hotel, just book your hotel, pay of memories.6 with your UBS Preferred Visa Signature credit card and call the My Choice Rewards program through UBS Client Services at 800-762-1000 to get a statement credit. And our extensive array of hotel gift cards can be used to pay for the room, hotel spa, gift shop and restaurants.

22 My Choice Rewards : Travel

Flights Car rentals and fuel Cruises

No blackout dates on flights Your points can put you in the driver’s seat Whether you’re taking a cruise to the Find a flight on any airline, book it on your the next time you’re looking to rent a car. sunny Mediterranean or to the fjords of UBS Preferred Visa Signature credit card Choose from a wide selection of rental car Norway, your card can help you set sail and pay with your points. It’s that simple. and fuel gift cards. on a great adventure—at rates reserved exclusively for you. Save up to 40,000 points per flight When you book travel through the UBS My Choice Rewards program, you’ll benefit from reduced airline redemption rates that are good for any airline, any time.6 • 50,000 points for a flight worth up to $900 (save up to 40,000 points) A complete listing of available gift cards • 25,000 points for a flight worth up is available on UBS Online Services. to $350 (save up to 10,000 points)

23 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Food and dining

From five-star restaurants around the Fine dining world to the coffee shop around the corner, your My Choice Rewards points are your entrée to fine dining and more. McCormick & Schmick’s Bon appétit.

Any restaurant With the Personal Choice feature, you can redeem points at your choice of Morton’s of Chicago restaurants. Just dine, pay with your card and call the My Choice Rewards program through UBS Client Services at 800-762-1000 for a statement credit. Ruth’s Chris Steak House Gift cards You can also choose from a wide array of restaurant gift cards for your dining pleasure or to give to friends and family. Smith & Wollensky

24 My Choice Rewards : Food and Dining

Casual dining On the go Food and wine

The Cheesecake Factory Dunkin’ Donuts Godiva Chocolatier

Landry’s Seafood Panera Bread® Harry and David

Legal Sea Foods Starbucks Omaha Steaks

Brinker International Subway Wine.com

For a complete listing of merchandise and gift cards, visit UBS Online Services atubs.com/onlineservices .

25 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Shopping

Your My Choice Rewards points make it easy for you to go on a shopping spree from the comfort of your own home. Or redeem your points for gift cards to some of the finest boutiques and hottest stores in the world. With more than 700 items, this extraordinary selection of merchandise runs the gamut from the latest in electronics and cookware to the putter that you know will shave a few strokes off your handicap.

If you don’t see it, don’t worry Remember, with the Personal Choice redemption feature, you can buy an item with your UBS Preferred Visa Signature credit card and use your rewards points to pay for it.

26 My Choice Rewards : Shopping

Clothes. Shoes. Handbags. And other things that make the world go round.

Banana Republic Gap Men’s Wearhouse

Dillard’s L.L.Bean Old Navy

Jos. A. Bank Macy’s TJ Maxx/Marshalls/ HomeGoods

For a complete listing of merchandise and gift cards, visit UBS Online Services atubs.com/onlineservices .

27 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Home is where the rewards are Bring something wonderful into your home, like an imported espresso maker or a set of 1,000-thread count sheets. Or pick up the latest power tools and get that home renovation project started.

Amazon.com Orvis Pier 1 Imports

Bath & Body Works The Home Depot Pottery Barn

Bed Bath & Beyond® JCPenney Yankee Candle Company

28 My Choice Rewards : Shopping

Luxury at your fingertips Whether you’re looking for a luxury watch for someone special or you’re ready for a day of pampering at a mountain spa for yourself, your rewards points help you celebrate the finer things in life.

Bergdorf Goodman Neiman Marcus SpaFinder

Bloomingdale’s Nordstrom Tiffany & Co.

Longines Men’s Watches Saks Fifth Avenue Tourneau

For a complete listing of merchandise and gift cards, visit UBS Online Services atubs.com/onlineservices .

29 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Rewards that keep you on the move Bring your game up a notch with a new set of clubs. Get mountain bikes for the entire family and enjoy the great outdoors.

iPod Nano® Edwin Watts Golf Nike

Cabela’s Golfsmith REI

Callaway Golf Dillard’s Sports Authority

30 My Choice Rewards : Shopping

From electronics to entertainment, we’ll keep you plugged in Want to go to the movies? Use your My Choice Rewards points to get your tickets. Prefer to stay in and watch a movie on your 70” LED flat-screen TV? We can help with that, too.

AMC Best Buy LG

iPod Touch® GameStop Samsung

Barnes & Noble Garmin TicketsNow.com

For a complete listing of merchandise and gift cards, visit UBS Online Services atubs.com/onlineservices .

31 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard It’s not every day that you’re able to score Experiences seats for the World Series or sit courtside at the U.S. Open. Your My Choice Rewards points are your ticket to great adventures, including a once-in-a-lifetime Grand Australia and New Zealand tour or a behind-the-scenes look at the pyramids and mummies of Egypt for your entire family.

32 My Choice Rewards : Experiences

Vacation packages Fairmont Chateau Whistler Mountain Adventure 253,300 points Costa Rica Adventure 394,000 points European Vacation—Rome, Paris & London 501,000 points Pyramids, Mummies & Temples—A Family Adventure from Abercrombie & Kent 800,000 points Grand Australia & New Zealand 2,500,000 points

The sporting life Kentucky Derby Program—Lexington Horse Farm Experience 400,000 points U.S. Open Golf—4-Day Experience 400,000 points BCS College Football Championship Game 550,000 points Masters Golf Tournament—Practice Round Experience 800,000 points U.S. Open Tennis Finals—Weekend Loge Level Package 1,000,000 points

33 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Give the gift of giving back

JustGive.org has harnessed the power of the Internet to remove barriers to charitable giving. By offering over 1,000 charities that have met their stringent public requirements, you can give back with confidence. Or use your UBS Visa Signature credit card to give to the charity of your choice and then simply redeem your points to cover the donation.

34 1 Certain terms, conditions and exclusions apply. Please see your UBS Preferred Visa Signature 9 Airport club day pass or annual airport club membership must be purchased using your UBS credit card My Choice Rewards program and benefits details for specifics. 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 2 When you use your credit card to access cash, there must be sufficient funds in your UBS year-to-date or the prior calendar year, or up to $500, if your total spending on your card was account to repay the cash advance that night or you will incur applicable cash advance fees $100,000 or greater during either the current calendar year-to-date or the prior calendar year. and interest charges. The automatic transfers used to pay off yourCashConnect cash advances You may claim the credit only once for each year in which you qualify for a credit. If you do will reduce the available funds in your UBS account, and, as a result, could affect other not claim the credit in a year, it will not carry over into subsequent years. You must claim the transactions dependent on cash, such as fee payment, investment purchases, online bill pay, credit during same calendar year in which the fee posted to your card account. 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. 10 Extra points are based on merchant category code. Groceries not bought at stand-alone Feature available only for cardholders with a UBS account. 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. 3 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 11 The item or items you purchase must add up to $100 or more before redeeming receive a rebate for a fee that you believe is eligible, please call 800-762-1000 or collect at 201-352-5257 for assistance. 12 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. 4 You must have sufficient funds available in your UBS account. Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com Gift 5 Does not apply to ATM transactions, certain commercial card transactions, PIN or other Cards (“GCs”) cannot be transferred for value or redeemed for cash. GCs may be used only for transactions not processed by Visa. Unauthorized use must be reported immediately. For purchases of eligible goods at Amazon.com or certain of its affiliated websites. For complete specific restrictions, limitations and other details, please call us at 800-762-1000. terms and conditions, see www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon ®, TM & © are IP of Amazon.com, Inc. or its affiliates. 6 Tickets must be booked through UBS and charged to your UBS Preferred Visa Signature credit No expiration date or service fees. 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. Some airline iTunes® and MacBook® are registered trademarks of Apple Inc. All rights reserved. Apple is not carriers may not be included (e.g., Southwest Airlines Co.). a participant in or sponsor of this promotion.

7 Important information about the UBS Preferred Visa Signature credit card: 13.74% Barnes & Noble is not a sponsor or co-sponsor of this promotion. Please see back of gift card or variable APR for purchases, 22.49% variable APR for cash advances, 27.74% variable APR for visit www.bn.com for terms and conditions of use. Barnes & Noble is not liable for any alleged the penalty rate. For balance transfers, 9.99% intro APR for the first six billing cycles; after or actual claims related to this offer. that, 13.74% variable APR. APRs vary with the market based on the prime rate. Annual fee: $495. For balances transfers, a fee of $10 or 3% of the amount of the transfer, whichever is Bath & Body Works is not a sponsor of this promotion and is not affiliated with UBS Bank USA. greater, applies (maximum fee is $250). For cash advances, a fee of $10 or 3% of the amount The Bath & Body Works® name and logo are registered trademarks of Bath & Body Works Brand of the cash advance, whichever is greater, applies. For residents of Iowa and Puerto Rico only, Management, Inc. 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 Bed Bath & Beyond is not a participating partner in or sponsor of this promotion. Terms and fee: None. Subject to credit approval. Information is accurate as of January 2017, and may conditions apply to gift cards. Bed Bath & Beyond is a registered trademark. ©2014 Bed Bath & have changed after that date. To learn what may have changed, please call 800-762-1000 Beyond Inc. and its subsidiaries. or visit ubs.com/uscards. Please see your UBS Preferred Visa Signature credit card My Choice Rewards program and benefits guide for details on points redemption. BEST BUY® is not affiliated with UBS Bank USA. Best Buy does not sponsor, endorse, approve or have any responsibility for this promotion. BEST BUY, the BEST BUY logo and the tag designs are 8 Certain restrictions and limitations may apply. For additional details, please visit: trademarks of BBY Solutions, Inc. http://visasignaturehotels.ubs.com/about/benefits. Bloomingdale’s is not a sponsor or co-sponsor of this program. Bloomingdale’s Terms & Conditions apply to all cards. See back of card for details.

35 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Brinker International® (Chili’s Grill & Bar®, Macaroni Grill®, On the Border® and Maggiano’s Golfsmith is not a sponsor or co-sponsor of this promotion. Please see back of gift card or visit Little Italy®) is not a sponsor or co-sponsor of this promotion and is not liable for any alleged or golfsmith.com for terms and conditions of use. Golfsmith is not liable for any alleged or actual actual claims related to this offer. See back of card for terms and conditions. All brand names claims related to this offer. and logos are registered trademarks of their respective owners. The Home Depot® is a registered trademark of Homer TLC Inc. The Home Depot® is not a A prepaid card redeemable for merchandise at all Cabela’s locations, for Cabela’s catalog sponsor of this promotion. purchases, and at www.cabelas.com (there is no limit to the amount of cards that can be used online) CANNOT be used for payment on Cabela’s Charge. For gift card balance call JustGive is not a sponsor or co-sponsor of this promotion. Terms and conditions apply, please 800-237-4444. Cards do not expire. visit https://www.justgive.org/gc/gc_tc.jsp for more information. JustGive is not responsible for any alleged or actual claims related to this offer. JustGive is not responsible for any information Callaway Golf is not a sponsor of this promotion. Can be only be redeemed online at www. which is given by the client to any third party or vendor via this website or the promotion. callawaygolfgiftcard.com or over the phone. UBS Bank USA is not affiliated with L.L.Bean and L.L.Bean is not a sponsor or co-sponsor of this The Cheesecake Factory Incorporated (collectively with its subsidiaries and affiliates) (“The promotion. Cheesecake Factory”) is not affiliated with UBS Bank USA. The Cheesecake Factory does not sponsor, endorse, or have any responsibility for this promotion. The Cheesecake Factory logo Macy’s is not a sponsor or co-sponsor of this program. Macy’s terms and conditions apply to and trademarks are the property of TCF Co. LLC. All rights reserved. all cards. See back of card for details. The Macy’s name and logo are registered trademarks of Macy’s Inc. ©2014 DD IP Holder LLC. All rights reserved. The Dunkin’ Donuts trademarks/trade dress are owned by DD IP Holder LLC and used under license. Dunkin’ Donuts is not a sponsor of this Men’s Wearhouse is not a sponsor of this promotion. promotion. Neiman Marcus is a registered trademark of NM Nevada Trust. All rights reserved. The Neiman Edwin Watts Golf is not a sponsor or co-sponsor of this promotion. Please visit www. Marcus Group is not affiliated with or responsible for the administration of this promotion. edwinwattsgolf.com for terms and conditions of use. Edwin Watts Golf is not liable for any alleged or actual claims related to this offer. Nordstrom, Inc. is not a participant, sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. Exxon Mobil Corporation is not a sponsor or co-sponsor of this promotion. The Exxon and Mobil logos are registered trademarks of Exxon Mobil Corporation or one of its subsidiaries. A prepaid card redeemable at all Orvis stores, by phone, or at www.orvis.com (there is no limit ExxonMobil Gift Cards are issued and sold by SVM, an Illinois Limited Partnership. to the amount of cards that can be used online). To order an Orvis catalog, call 1-800-235-9763. For gift card balance, call 800-242-5353. GameStop® and/or Marketing Control Services are not a sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. GameStop® and/or PANERA BREAD and the Mother Bread Logo are registered trademarks of Panera Bread and are Marketing Control Services are not liable for any alleged or claims related to this offer. used with permission. Panera Bread is not a sponsor of this program. See back of the Panera Card® gift card for complete terms and conditions of use. Godiva is not a sponsor of this promotion. Treat this card like cash. This card is not a debit or credit card. This card can be redeemed at any company-owned Godiva store or on-line at Pier 1 Imports® is not affiliated with UBS Bank USA. Pier 1 and Pier 1 Imports are registered www.GODIVA.com. This card is redeemable for merchandise only. It cannot be redeemed for trademarks of Pier 1 Services Company. cash unless required by law. To locate the store nearest you, please visit www.GODIVA.com. To check your balance, call 1-800-943-5309 or visit any company-owned Godiva store. The Pottery Barn is a registered trademark of Williams-Sonoma, Inc. This card may be used for value of this card will not be replaced if lost, stolen or destroyed without valid proof of purchase. making purchases at Pottery Barn stores in the United States, by phone or online at Use of this card is restricted to U.S. purchases. Godiva Chocolatier reserves the right to change www.potterybarn.com. It may not be redeemed for cash or applied as payment to any account, these requirements. unless required by law. Pottery Barn cannot accept responsibility for cards lost, damaged or stolen, or any unauthorized use of cards. Acceptance of this card constitutes acceptance of these terms and conditions, which may change at any time. For store locations or to place a catalog order, call 800-922-5507.

36 Gift cards are issued by REI Customer Services, Inc. REI is not a sponsor of this promotion. Sports Authority is not a sponsor of this program. Use of Sports Authority names and/or logos are by permission of TSA Gift Card, Inc. All rights reserved. See back of card for terms Ruth’s Chris Gift Card is subject to the terms and conditions of use printed on the gift and conditions. card. Ruth’s Chris Steak House is not affiliated with UBS Bank USA nor is it a sponsor or co-sponsor of this promotion. Ruth’s Chris name and logo are registered trademark of Starbucks, the Starbucks logo and the Starbucks Card design are either trademarks or registered Ruth’s Chris Steak House. trademarks of Starbucks U.S. Brands, LLC. Starbucks is not a participating partner or sponsor in this offer. The Shell Gift Card can be used only for purchases of goods and services at Shell locations in the U.S., except territories. The Card cannot be redeemed for cash and no change will be T.J. Maxx, Marshalls and HomeGoods are not affiliated with UBS Bank USA and are not sponsors given, except in states that require redemption for cash. Shell Oil Products U.S. and its related or co-sponsors of this promotion. Use of T.J. Maxx, Marshalls and HomeGoods’ names, logos, companies are not sponsors or co-sponsors of this promotion. If card balance falls below one images or trademarks require written approval from TJX Incentives Sales, Inc. Participation by T.J. dollar, pay at the pump may not be available, in which case contact station cashier to access Maxx, Marshalls and HomeGoods in the program is not intended as, and shall not constitute, balance or call the number printed on the card for assistance. a promotion or marketing of the program by T.J. Maxx, Marshalls and HomeGoods, the TJX Companies, Inc. or any of its subsidiaries or affiliates. Toys “R” Us, Inc. is not a sponsor or co- Smith & Wollensky Gift Cards and Bonus Cards are not valid at the New York City location, sponsor of this promotion and is not liable for any actual or alleged claims related to this offer. which is owned and operated by an independent restaurant group. See back of card for terms and conditions and use.

SpaFinder is not a sponsor or co-sponsor of this promotion. SpaFinder and the SpaFinder logo are registered trademarks of SpaFinder, Inc. and are used only by permission. Terms and conditions apply to SpaFinder gift certificates/cards.

37 Redemptions: ubs.com/onlineservices | UBS Client Services: 800-762-1000 | Learn more: ubs.com/preferredcard Please note: All references to the RMA also apply to the Business Services Account BSA.

The RMA and Business Services Account BSA are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a Member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure is available upon request or at www.sipc.org. The RMA and Business Services Account BSA provide access to banking services and products through arrangements with affiliated banks and other third-party banks, and provide access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc.

Investment, insurance and annuity products: Not FDIC insured • No bank guarantee • May lose value

RMA, Resource Management Account and Business Services Account BSA are registered service marks of UBS Financial Services Inc. Visa Signature is a registered service mark of Visa International. The UBS Preferred Visa Signature credit card is issued by UBS Bank USA with permission from Visa U.S.A. Incorporated. All other trademarks, registered trademarks, service marks and registered service marks are of their respective companies.

UBS Bank USA 161221-6962