Instructions for the UBS Credit Card Application

Instructions for the UBS credit card application

Before confirming your choices in the application form we would like to highlight that:

• Three card types are available: – Mastercard Gold, – Mastercard World* and – World Elite Mastercard

• All cards are available in four currencies: CHF, EUR, GBP and USD

• The personal details of the intended card holder shall be filled in the application form.

• In case the card holder deviates from the bank account holder both shall sign the application form.

• In such case both the intended card holder and account holder shall initial all pages of the General Terms and Conditions.

• A certified copy of either the passport or national ID of the card holder will be required, should he/she not yet be on record with the bank. In such case, we kindly ask you to please enclose such copy to your response.

• You may choose a one-time delivery address for both the card and PIN number in the application form if you wish these to be delivered to an address differing from the standard postal address. To this effect you will find a specific form attached to this letter.

* Note that Mastercard World is an equivalent to the former Mastercard Platinum

Documents to complete and return: – Declaration and Signature Document – Form: Credit card application and the General Terms and Conditions of Advanzia Bank S.A. – Form: Deviating delivery address of credit card and PIN (if applicable)

Documents covered by the Declaration and Signature Document: – Pledge Agreement – Framework agreement for collateralized facilities – Mastercard credit card referral agreement

Should you have any questions, please contact your Client Advisor for clarification.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

E V0 11.2018 Page 1/1 Declaration and Signature Document

First name(s), Last name(s) of the Account Holder(s) (hereinafter the "Client")

UBS Account Number

Agreement

The Client wishes to apply for a credit card, to be issued by Advanzia The Client understands that: Bank S.A., rue Gabriel Lippmann, L-5365 Munsbach, Luxembourg – he/she is required to sign the Advanzia Credit Card Application (“Advanzia”). For this purpose, the Client wishes to instruct UBS Eu- and, if applicable, the form “Deviating delivery address for rope SE, Luxembourg Branch (the “Bank”) to refer him to Advanzia, your credit card and PIN” to issue a first demand guarantee in favour of Advanzia and to settle – he/she is not required to sign each and every UBS Document the Client's debts in relation to the credit card by debiting the Client's and that by signing the present Declaration he is bound account(s) with UBS. by the terms and conditions of the UBS Documents. With In this context, the Client has received: respect to the UBS Documents, the Client's signature is only – three UBS documents, which form part of the credit card required on this Declaration. application package (collectively referred to as the “UBS – he/she is not required to fill out the three UBS Documents and Documents” and each one a "UBS Document"), and that the Name of the Account Holder(s) and the UBS Account – two (2) Advanzia documents (i.e. the Advanzia Credit Card Number will be considered as included in the present Application and the form relating to the deviating delivery document. address). – the choice of currency on the credit card application itself will By signing the present Declaration, the Client confirms and  determine the choice of currency of the UBS Mastercard Credit acknowledges that he/she has received, in good time before  Card Referral. entering into the present Declaration, read and understood This Declaration shall be governed by and construed in accordance the following UBS Documents which form an integral part of this with the laws of the Grand Duchy of Luxembourg. All disputes Declaration: shall, within the limits of the applicable law, be of the exclusive com- – Mastercard credit card referral (E V0 11.2018) petence of the courts of Luxembourg, Grand Duchy of Luxem- – Pledge agreement (E V3 07.2013) bourg. In any event, the laws of the Grand Duchy of Luxembourg – Framework Agreement for Collateralized Facilities shall remain applicable. (E V2 10.2018) The Client acknowledges that the UBS Documents contain waiv- The Client confirms and acknowledges that he/she has received ers, including but not limited to waivers in respect of banking secrecy, adequate and sufficient explanations thereon, that he/she has had confidentiality and data protection. More specifically, the Client hereby sufficient opportunity to consider the content of all forms covered by understands and agrees that by signing this Declaration, he/she instructs this Declaration and to obtain independent professional advice to the and consents to the disclosure of its corporate, account, and transac- extent he/she considers it necessary. Furthermore, by signing the tional related data, as the case may be (e.g. corporate name, address present Declaration, the Client agrees to be bound by the terms and account details) to certain third parties as specified in the relevant and conditions set out in the UBS Documents and confirms that waiver. The Client hereby acknowledges and agrees to such waivers to the information and answers provided by him in the UBS which his attention has been specifically drawn to by UBS. Documents and any representations and warranties made therein are accurate and complete.

Signature(s)

I hereby agree to be bound by the terms and conditions of the UBS Documents which are referred to in the present Declaration.

Place Date (dd.mm.yyyy) Account Holder(s) Signature

E V0 11.2018 Page 1/1 Omnium

CREDIT CARD APPLICATION Card Account currency Preferred contact language Mastercard Gold EUR CHF English German Mastercard World USD GBP French Dutch :RUOG(OLWH Mastercard

Requested credit limit: PERSONAL DETAILS Mr Mrs First name Nationality Last name Passport/ ID card No. (please attach a copy) Postal address Mobile (Int’l) + (for internet purchase verification codes via SMS)

Email (for statements and WEB access) Country Cardholder authentication questions (optional)

Place and Mother’s maiden name

Date of birth // Personal Password (dd/mm/yyyy) Please spell your name as you wish it to appear on the card (maximum 21 characters)

Additional information to appear on the card (optional)

APPLICANT SIGNATURE

I, the undersigned herewith certify that the information given hereinabove is correct and that I have read and approved the general terms and conditions for the use of the Mastercard credit card provided to me with this application form. The undersigned is liable for all expenses, charges, debits, interest and obligations incurred by using the card. Date

Signature Signature Cardholder signature Bank Client signature (if other than Cardholder)

To be completed by the bank

Bank entity name UBS Luxembourg Credit limit

Internal customer No.

Account code Signature GENERAL TERMS AND CONDITIONS FOR USE OF MASTERCARD CREDIT CARD In the event of non-execution or an incorrect execution of an authorised Card payment, the Cardholder may require the Bank to immediately and fully reimburse DEFINITIONS the respective amount, including potential fees and commissions. In case the payment amount has been debited to the Card Account, the Issuer shall restore the In these general terms and conditions for use of MasterCard credit card (hereinafter Card Account as it would have been without the incorrect card payment. "GT&C"), these terms shall have the following meanings: If the Cardholder has (i) authorised a credit card payment without specifying the -“Bank”: means the bank or financial institution upon whose request the issuer has exact amount thereof, and (ii) the payment amount exceeds the amount that the issued cards to Cardholders. Cardholder could reasonably have expected in the circumstances of the purchase, -"Issuer": Advanzia Bank S.A., the card issuing partner whose registered address is the Cardholder may claim the reimbursement of the amount which has been debited 9, rue Gabriel Lippman, L-5365 Munsbach. from the Card Account (a “Disputed Amount”). If the Cardholder has already paid -"Card": the MasterCard credit card issued to the Cardholder by the Issuer upon the Disputed Amount to the Issuer, the Issuer shall reimburse such amount to the request of the Bank. Cardholder. The Cardholder may not claim reimbursement, if the reason for the -“Card Account”: the account, opened in the name of the Cardholder and that Disputed Amount result from a currency exchange transaction to the extent the provides information about the amounts owed as a result of transactions made with applicable rate has been applied. The Cardholder shall be required to explain to the the Card. Issuer the factual circumstances justifying the claim for repayment. Any entitlement -"Cardholder": means the physical person, in which name the Card is issued. to repayment pursuant to this paragraph shall be excluded if it has not been invoked -“Credit Limit”: means the maximum debit balance permitted to the Card Account against the Issuer within eight (8) weeks following the debit of the transaction on the for a given period by Issuer. Card Account. -“PIN”: means the personal identification number provided by the Issuer to be used as the Cardholder’s electronic signature at point of sales and automatic teller 3. STATEMENT AND PAYMENT machines (“ATM”). -"Credit Card Agreement": means the agreement entered into between the Bank, 3.1 Statement the Issuer and the Customer with respect to the issuance by the Issuer and the use of the Card. At the end of each monthly invoicing period, the Cardholder shall receive from the -“Settlement Date”: means the date on which settlement of the outstanding amount Issuer (or if so agreed from the Bank) the relevant Card Account statement showing for a given time period with respect to a Card is due and payable to the Issuer. the Monthly Outstanding Balance to be paid by no later than the Settlement Date set -“Customer”: means the Bank’s customer applying for a Card pursuant to the Credit out therein. Card Agreement. -“Monthly Outstanding Amount”: means the total amounts due with respect to the To the extent that the Cardholder has provided the Issuer with an email address, the Card for an Invoicing Period. Card Account statement will be sent to the Cardholder by email solely. In this case, -“Business Days”: means a day where a bank is open for business in Luxembourg. the Cardholder shall not receive any paper invoice and agrees to such proceedings. The Cardholder may request at any time the sending of a paper Card Account 1. ENTERING INTO THE CONTRACT / ISSUANCE OF THE CARD statement. If the Cardholder does not receive any Card Account statement, the Cardholder must immediately notify the Issuer or the Bank. Subject to the Issuer approval, the Card shall be issued by the Issuer upon request by the Bank. Any unauthorised or incorrectly executed payment transaction debited to the Card Account shall be notified to the Issuer in writing within six (6) weeks following the The Cardholder shall immediately upon receipt of the Card, sign the Card on the date of the receipt of the monthly account statement by the Cardholder. In the space provided for on the back of the Card. The Cardholder will be responsible for absence of any notification within the pre-mentioned timeframe, the Cardholder will the safekeeping of the Card and may use it in accordance with the GT&C. be deemed to have approved and accepted the transactions evidenced on the relevant account statement. The Cardholder may however within a thirteen (13) The Card remains the property of the Issuer. The Card is issued personally to the months period starting from the debit date of an incorrectly executed payment Cardholder and may not be transferred. transaction claim correction of that payment transaction.

Upon conclusion of the Credit Card Agreement, the Issuer opens a Card Account in In case of claims regarding unauthorised transactions, the Issuer shall investigate the name of the Cardholder. The amounts spent by the Cardholder with the Card as and shall temporarily credit the Card Account up to the amount of the transaction well as the related fees, commissions and default interests will be debited to the that has been questioned. Should the investigation conclude that the claim of the Card Account. Cardholder was unjustified, the Issuer reserves the right to require the payment and debit the Card Account accordingly. The validity of the Card is limited to the last day of the month and year shown on it, unless otherwise agreed or prior withdrawal in accordance with article 7 of the 3.2 Payment present GT&C. After the expiration of the validity period, a new Card is mailed to the Cardholder unless the Cardholder has terminated the Credit Card Agreement in Payment of the Monthly Outstanding Balance on the Cardholder’s Card Account accordance with article 9 of the present GT&C. shall be made by the Cardholder by no later than the Settlement Date.

2. USE OF THE CARD / EXECUTION OF PAYMENT ORDERS The Cardholder gives the Bank an irrevocable order and authority to debit from its current account held with the Bank, all monies due from time to time as a result of Payment orders to the Issuer are made on the basis of information electronically use of the Card and in accordance with these GT&C and the Credit Card provided to the Issuer when the Card is used. Agreement.

By presenting the Card to a merchant for payment or as a guarantee and by entering Unsettled amounts due to the Issuer under the Credit Card Agreement with respect his or her PIN or by signing a receipt/voucher or, in case of online transactions (i.e. to a prior Settlement Date will be added to the current amount due by the relevant card not present transaction), by giving his or her card number, related card Cardholder. Without prejudice to any other actions, the issuer may, as a result of the information or control number/security code or identifier for a secured procedure, as default in payment, charge to the Cardholder, the legal consumer interest rate as well as by entering his or her PIN code at an ATM, the Cardholder acknowledges a defined in the Grand Ducal Regulations, on the amount due by the Cardholder. debt to the merchant or the financial institution that advanced the funds. The debt is assumed by the Issuer in a first instance and the Cardholder authorises the Issuer to The Cardholder may not have any action against the Issuer in case of charge of debit his/her/its Card Account for the relevant debt (the “Authorisation”). default interest or other action taken by the Issuer (i.e. termination, blocking) where the payment default or delay results from the Bank’s default or delay in payment on Once the Authorisation is given, any revocation is excluded. The Cardholder cannot Settlement Date. stop payment of debit vouchers bearing the Cardholder's signature or established by using the PIN. Even where the Cardholder has not duly signed the voucher, the 4. FOREIGN CURRENCY CONVERSION Cardholder is nevertheless liable for payment of the amounts debited from the Card Account. Transactions with a Card that are not in the Card Account currency will be converted at the exchange rates determined by MasterCard International on a daily basis, The records of statement sent by the merchant or financial institution operating an which will be the reference exchange rate Currency conversions will take place on ATM are taken as proof of a transaction. The transaction slip is for the Cardholder’s the day on which the debit is submitted to MasterCard by the acceptance point at personal information only. When an automated payment instrument is used in which the transaction was carried out. Changes to the exchange rates determined by conjunction with a PIN, the data so recorded shall serve as evidence for the MasterCard will take effect immediately and without prior notification. The fees and transaction. The receipt issued by the automated system is intended solely for the commissions relating to the conversion of foreign currencies are charged to the Cardholder’s information. Cardholder in accordance with article 5 of the present GT&C.

The Issuer or the Bank shall have no responsibility for any disputes between the 5. FEES AND COMMISSIONS Cardholder and the affiliated merchant or business. Such disputes shall not relieve the Cardholder or account holder (if different from the Cardholder) of the obligation The annual subscription fee will be communicated to the Cardholder by the Bank. to repay all monies the Cardholder owes the Issuer as a result of use of the Card. In A foreign exchange commission of three percent (3%) is charged on purchases or particular, they shall not be liable if a merchant, business or ATM declines the Card. cash advances made in other currencies than the Card Account currency. The foreign currency conversion occurs in accordance with article 4 of the present The Issuer shall however have the right to refuse a payment order in the event of GT&C. non-compliance with the Credit Limit or of blocking, termination or expiry of the Card (in accordance with the provisions of the present GT&C). The Issuer may also, for A cash advance fee of two and a half percent (2.5%), subject to a minimum of 5 the purpose of fraud prevention restrict the use of the Card. EUR or equivalent in another Card Account currency, is charged for cash withdrawal. Additional fees may be charged by the Issuer at any time (upon prior After receipt of the payment order, the Issuer shall ensure that the payment amount information of such fees), for additional services provided by the Issuer to the is received within one (1) Business Day by the recipient’s payment service provider; Cardholder. to the extent that the payment order must be made in Euro and that the payment recipient’s Bank has its registered office in the European Economic Area. For The fees, late payment fees and the commissions may be modified in accordance payments to be made in a currency of the European Economic Area other than the with article 11 of the present GT&C. Euro, the time limit shall be four (4) Business Days. In case of payment transactions outside the European Economic Area, the Issuer shall proceed to the payment as soon as possible.

1 Version September 2018 6. SAFEGUARDING THE CARD AND CARD DETAILS Gabriel Lippmann, L-5365 Munsbach) or per telephone (00352-261577). All the information in relation to the processing of the Cardholder’s personal data carried out Upon receipt of the Card, the Cardholder keeps it carefully in order to prevent any by the Issuer is detailed in a data protection notice made available to the Cardholder loss, theft or misuse. at the start of the contractual relationship. Changes may occur in the way the Issuer process personal data about the Cardholder. In case these changes oblige the For the use of ATMs and at point of sales, the Issuer shall provide a PIN to the Issuer to update the data protection notice, he will bring this to the Cardholder’s Cardholder. The PIN shall stay strictly confidential and shall in no event be kept with attention and may do so by any means such as by email, letter, or hyperlink to the the card or be written thereon or saved in any other way which is accessible to third Issuer’s webpage. The latest version of the data protection notice will be available parties, even in an encrypted form (e.g. disguised in a phone number). To the extent under www.omniumcard.com. that the Issuer offers a secured authentication procedure (e.g. MasterCard Secure Code) supported by the point of acceptance of the Card, the Cardholder shall be 11. AMENDMENT OF THE GENERAL TERMS AND CONDITIONS required to use it. The aforementioned obligations of the Cardholder regarding the safekeeping of the PIN shall apply to any other security information provided to the Changes or amendments to these terms and conditions shall be notified, in Cardholder (e.g. online access codes) accordance with the method of communication agreed between the Bank, the Issuer and the Cardholder, to the Cardholder in writing no later than two (2) months prior to 7. BLOCKING AND WITHDRAWAL OF THE CARD their entry into force. If the Cardholder does not object to such modification before the entry into force, the changes or amendments are considered to be approved. The Issuer may at any time block the Card or proceed to the withdrawal thereof in The Cardholder may terminate the Credit Card Agreement with immediate effect and case of termination of the Credit Card Agreement for serious reasons (such as without any fees, before the entry into force of the proposed amendment. substantial deterioration of the Cardholders financial situation), for unusual transactions which give rise to a presumption of a violation or misuse, for objective 12. COMMUNICATION reasons in connection with the Card safety or upon its expiry, or upon termination of the Credit Card Agreement. Any communications of the Bank and the Issuer with the Cardholder shall occur by mail, by internet, email or phone, in accordance with the manner determined In case the Bank is expected, or have defaulted on their settlement undertakings, the between the parties. During the existence of the Credit Card Agreement, the Issuer shall reserve the right to block the Card temporarily. In this case, the Issuer Cardholder may at any moment request the transmission of the Credit Card shall inform the Bank and the Cardholder, within a reasonable timeframe, unless Agreement and of these GT&C, in writing, or in a paper version. giving such information would compromise objectively justified security reasons or is prohibited by other relevant Community or national legislation. As soon as the 13. GOVERNING LAW - JURISDICTION reasons for blocking the Card are removed, the Issuer shall unblock or replace the Card. This Agreement shall be exclusively governed by and interpreted in accordance with the laws of the Grand-Duchy of Luxembourg. The courts of the Grand-Duchy of The Issuer may also block or withdraw the Card upon written request on a durable Luxembourg shall have exclusive jurisdiction in relation to any disputes which may medium addressed by the Bank to the Issuer, as result of the Cardholder not having arise from this Agreement. The Bank and the Issuer may also file a claim with any sufficient funds available on the bank account to be debited by the Bank or for any other competent court. other serious reasons. 14. EXTRAJUDICIAL COMPLAINTS The Issuer will follow the instructions of the Bank (subject to the provisions for blocking or withdrawing the Card provided in the present GT&C) and declines any In order to settle any disagreements which may rise between the Cardholder, the liability for damages or otherwise vis-à-vis the Cardholder which may arise as a Bank and the Issuer, the Cardholder may contact the consumer conciliation result of the Bank’s instruction to block or withdraw the Card. committee, Commission de Surveillance du Secteur Financier (www.cssf.lu). This does not affect the right to bring a claim before the courts. 8. THEFT, LOSS OR MISUSE OF CARD, CARD DETAILS OR PIN 15. MISCELLANEOUS Should the Cardholder notice the loss or misuse of the Card, the Secure Code receivable device or the Card data, or if the Cardholder has suspicions in that sense, The partial or total invalidity of any provision of the Credit Card Agreement or of the the Cardholder shall immediately request the Card to be blocked (at the latest within present GT&C do not affect the validity of the other provisions. The contractual 24 hours) through the phone service of the Issuer, phone number +352 26 15 77. language is English. The English version shall prevail with respect to translations into any other language. In the case of unauthorised card payment, the Issuer shall immediately reimburse the amount paid to the Cardholder and shall restore the debited Card Account as it 16. CONTACT DETAILS AND REGULATORY AUTHORITY would have been without the debit of the unauthorised payment transaction. Contact details of the Bank: In the case of unauthorised card payment further to the use of a Card, of its data or its lost, stolen or misused PIN/security information or in any other way, the Information provided to Cardholder with the Credit Card Agreement. Cardholder shall only be liable to the extent that he has acted with a fraudulent intent or in intentional violation or by gross negligence of its due diligence under article 6 of Contact details of the Issuer: the present GT&C. In this case, the Cardholder shall be required to fully indemnify the Issuer against the resulting damage. If the unauthorised use or misuse is not Advanzia Bank S.A., 9, rue Gabriel Lippmann, L-5365 Munsbach based on fraudulent action or intentional or serious violation of the obligation of RCS Luxembourg n° B 109 476 diligence, his or her liability shall be limited to 50 EUR. Phone: +352 26 15 77

With respect to damages which occurred after the request for blocking of the Card, Regulatory Authority: the Cardholder shall only be liable therefor to the extent that he has acted with a fraudulent intent. Upon receipt of the related notice, the Issuer shall immediately The Issuer is a Luxembourg credit institution, and therefore subject to the block the lost Card. Such blocking is irrevocable. The Cardholder shall be provided, surveillance of the: Commission de Surveillance du Secteur Financier (CSSF), at no cost, with a new Card. 283, route d'Arlon, L-1150 Luxembourg.

9. TERMINATION OF THE AGREEMENT

The Credit Card Agreement is entered into for an unlimited period (unless expressly provided otherwise therein).

It may be terminated at any time without reason by the Cardholder in writing on a durable medium without prior notice. The termination notice shall be addressed by the Cardholder to the Issuer and to the Bank.

The Issuer and the Bank may terminate the Credit Card Agreement without reason provided that at least a two (2) months prior notice is given to the Cardholder. Notice of termination shall be sent by the terminating party on a durable medium to the other parties to the Credit Card Agreement.

This option shall not affect the Issuer’s and the Bank’s right to termination with immediate effect, for serious reasons.

The termination of the Credit Card Agreement by any of the parties thereto, shall terminate the Credit Card Agreement between all the parties thereto.

As soon as the termination becomes effective, the aggregate amount debited to the Card Account shall become payable, and the Cardholder shall be required to repay all unpaid amounts, together with interest, commissions and costs. Upon the effective date of the termination, it shall be prohibited for the Cardholder to use the Card. The Card shall be sent back immediately to the Issuer or the Bank, or destroyed upon its request (e.g. by cutting it).

10. DATA PROTECTION

The Issuer collects, processes and stores personal data in relation to the Cardholder in compliance with Regulation (EU) 2016/679 of 27 April 2016 (the “General Data Protection Regulation”) as well as any complementing or other law or regulation relating to the protection of personal data applicable to the Issuer. In this respect, the Issuer act as data controller and may be contacted for any data protection enquiries per email ([email protected]), per mail (Advanzia Bank S.A., 9, Rue

2 Version September 2018 Deviating delivery address for your credit card and PIN

Card holder details

First name, last name / Client name

Deviating delivery address for credit card and PIN

The card holder hereby instructs Advanzia Bank S.A., 9, rue Gabriel Lippmann, L-5365 Munsbach, Luxembourg ("Advanzia") in its role as credit card issuer to deliver the credit card and PIN to a different address (the Delivery Address) than the standard mailing address used for the credit card and mentioned on the credit card application (the Standard Address).

Delivery Address:

Street / No.

Postal code / City Country

Signature(s)

The card holder acknowledges that any further correspondence will be delivered by Advanzia to the Standard Address, as mentioned on the credit card application.

Place Date (dd.mm.yyyy) Card holder's signature

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

E V0 11.2018 Page 1/1 Mastercard credit card referral

Account holder

First name, last name (the "Client")

Credit card referral

The Client wishes to apply for a credit card. For this purpose, the The Client will indemnify UBS in respect of all liabilities and expenses Client herewith requests to be referred to the credit card issuer (including, but not limited to legal fees) incurred by UBS in connection Advanzia Bank S.A., 9, rue Gabriel Lippmann, L-5365 Munsbach, with such first demand guarantee, except for gross negligence of UBS. Luxembourg ("Advanzia") and for this purpose instructs UBS Europe SE, Luxembourg Branch ("UBS") as follows: II. Payment Instruction

I. Order for first demand guarantee I/We herewith instruct UBS to settle the debts incurred through the use of my/our Mastercard credit card(s) including any fees (the "Card Advanzia in its role as credit card issuer will grant credit facilities to the Debts") by debiting my/our UBS bank accounts. Client and requires UBS to grant a first demand guarantee in its favour I/We irrevocably instruct UBS to pay all outstanding amounts in to secure such facilities. connection with my Mastercard credit card(s) referred by UBS and in The Client therefore hereby instructs UBS to issue the following first connection with the first demand guarantee granted by UBS to demand guarantee - at the Client's full responsibility and liability - in Advanzia, to the debit of the my/our account(s) under the above favour of the credit card issuer Advanzia: mentioned Master no. I/We confirm that I/we have been informed of the applicable fees charged by UBS in connection with the referral hereunder, the 1. As security for facilities which the Client will be granted by settlement of the Card Debts and the issuance of the first demand Advanzia, UBS shall irrevocably undertake to pay Advanzia on first guarantee and I/we confirm that I/we have reviewed and approved the demand, irrespective of the validity and the effects of the above credit card application form and the contractually relevant mentioned commitments and waiving all rights of objection and documentation in connection with the use of the Mastercard credit defence arising there from, any amount up to the aggregate amount card(s), i.e. the credit card agreement and the general terms and of the amounts invoiced to the Client by Advanzia in relation to the conditions of Advanzia. Client's credit card(s) at the end of each calendar month, including I/We agree that UBS may directly debit my account to settle all fees principal, interest and all other charges. due to UBS in connection with my Mastercard credit card(s). The respective payments should be made from the following UBS 2. The first demand guarantee shall be validly granted until the account. later of: – the end of the second calendar month (the "Termination Date") following the termination of either (i) the credit card First name, Last name of account holder(s) agreement between Advanzia and the Client, (ii) the standard credit card agreement between UBS and Advanzia or (iii) the Client's account with UBS, and UBS account number CCY – the end of the third calendar month following a Client's payment order. Any queries or complaints about the accuracy of and objections against the Mastercard credit card account statements (including any 3. This order and the first demand guarantee shall be governed by potentially unauthorised transaction) shall be addressed by the Client and construed in accordance with the law of the Grand Duchy of and/or the cardholder to Advanzia in accordance with the credit card Luxembourg. The place of performance of all obligations shall be agreement and the general terms and conditions of Advanzia. Luxembourg. All disputes in connection with the present order for a first demand III. Waiver guarantee shall, within the limits of the applicable law, be of the exclusive competence of the Courts of Luxembourg, Grand Duchy of I/We herewith instruct UBS to refer me/us to Advanzia by forwarding Luxembourg. the Mastercard credit card application form which I/we have duly completed and signed. UBS is hereby instructed and authorised to effect payment on first I/We understand that in connection with the referral hereunder, the demand of Advanzia, waiving expressly any right to oppose any claim, settlement of the Card Debts, the issuance of the first demand exception, objection, defence, counterclaim, set-off or dispute and all guarantee and more broadly my/our use of the Mastercard credit rights of objection and defence arising from relations between the card(s), UBS will need to exchange information with Advanzia, which Client and Advanzia, to the debit of the Client's account(s) under the will include: above mentioned Master no. – my/our personal data as well as that of the designated Until all amounts due by the Client to Advanzia are settled, UBS is cardholder, if different; authorized to block any Client's assets corresponding at least to the – relevant information regarding my/our accounts held with UBS higher of (i) such due amounts or (ii) the lending value (defined by UBS and/or Advanzia; at its absolute discretion) of the applicable credit limit on the Client's – direct or indirect information relating to my/our financial credit card. UBS shall further be entitled to block any assets pledged situation, solvency and wealth in connection with my/our by the Client in favor of UBS under any pledge agreements entered accounts held with UBS and/or Advanzia; into by UBS and the Client from time to time. – proposed credit limits and credit limits for the Mastercard UBS may not be held liable or responsible, directly or indirectly, except credit card(s); for its gross negligence, for any – a blocking recommendation, blocking notice, cancellation i) expenses incurred or alleged to be incurred by the Client or any notice and similar information relating to the Mastercard credit third party, or card(s); and/or ii) damage or loss, caused or alleged to be caused to the Client or – any information relating to the status of any accounts I/we any third party. hold with UBS.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123  BAMX E V0 11.2018 Page 1/2 I/We acknowledge that the above examples are not exhaustive and that If different from me/us, I/we confirm having obtained the cardholder's such information may be communicated by e-mail, letter, fax, over the approvals for such exchange of information. phone or through the credit card portal maintained by Advanzia. The General Terms and Conditions of UBS, which the Client confirms I/We agree that UBS communicates to Advanzia and receives from to have read and accepted, are an integral part of this order for a first Advanzia any information deemed useful or necessary in connection demand guarantee, payment instruction and waiver. In case of with my/our use of the Mastercard credit card(s) issued by Advanzia discrepancies between the provisions of this order for a first demand and relating directly or indirectly to my/our banking relationship with guarantee, payment instruction and waiver and the provisions of the UBS, the accounts, assets and debts that I/we hold with UBS or any General Terms and Conditions of UBS, the most favourable provisions other similar information, in particular relating to my/our for UBS shall apply. creditworthiness.

Signature(s)

Place Date (dd.mm.yyyy) Client's signature(s)

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

BAMX E V0 11.2018 Page 2/2 Master no.

Pledge Agreement

Agreement between

First name, last name / Company name (hereinafter "Pledgor") and

UBS Europe SE, Luxembourg Branch 33A, Avenue J.F.Kennedy L-1855 Luxembourg (hereinafter"UBS")

The Pledgor provides security to UBS in accordance with this Pledge Agreement (please tick box): for his/her/its own obligations for the obligations of:

First name, last name / Company name (hereinafter the "Debtor")

Agreement

1. The Pledgor hereby pledges in favor of UBS all of his/her/its 2. present and future cash and money claims (i) in relation to or standing to the credit of the account(s) (and 2.1. As soon as its Secured Claims are due and are not paid on the any sub-accounts) opened now or to be opened in the future relevant due date, UBS shall, without limitation, at its discretion, in in the name of and/or held by the Pledgor with UBS and whole or in part and in accordance with any enforcement method (ii) held with any third party(ies) in the Pledgor's name or in UBS' permitted under Luxembourg law, be entitled to: name for the benefit of the Pledgor, regardless of the • realize the Pledged Assets without prior notice or notice of de- respective currency (together hereinafter the "Claims"). fault ("mise en demeure") and, in particular, apply the pro- The Pledgor hereby pledges in favor of UBS all financial instruments, ceeds thereof towards the satisfaction of its Secured Claims, if which are now or may at any time in the future be it deems it necessary, after having transferred the proceeds (i) held in the account(s) (and any sub-accounts) opened now or from one account (and/or, as applicable, sub-account) to an- to be opened in the future in the name of and/or held by the other and/or having converted the proceeds from one currency Pledgor with UBS, regardless of whether they are held by UBS to another; and/or directly or indirectly through third parties, such as • appropriate the Pledged Assets at their fair market value deter- correspondent banks or clearing houses and mined by UBS acting in good faith; and/or (ii) held with third parties in the Pledgor's name or in UBS' name • set off any payment obligations due and payable to UBS (in- for the benefit of the Pledgor (together hereinafter the cluding its agents and/or affiliated companies) against any "Financial Instruments"). The term "Financial Instruments" or claims of the Pledgor and/or, if applicable, of the Debtor, re- "financial instruments" used in this Pledge Agreement shall gardless of their nature, basis and currency, or transfer all or have the meaning as defined in the Luxembourg law of 5 any part of the Pledged Assets in such a manner as it deems August 2005 on financial collateral arrangements, as amended appropriate and in accordance with Luxembourg law. For the from time to time, including, but not limited to, shares, bonds purpose of this clause, UBS shall be entitled to effect any con- and participations/shares in investment funds. version at any exchange rate then prevailing in the market The Pledgor hereby pledges in favor of UBS all fungible and non- which it deems necessary and the decision by UBS to set off fungible precious metals (hereinafter the "Precious Metals") which such payment obligations of the Pledgor and/or, if applicable, are now or may at any time in the future be held for him/her/it by UBS of the Debtor, against a claim of the Pledgor not yet due and or by third parties in the Pledgor's name or in UBS' name for the payable, shall trigger the claim(s) of the Pledgor and/or, if ap- benefit of the Pledgor. plicable, of the Debtor, to become immediately due and pay- The accounts opened by the Pledgor with UBS at the date of this able for an amount representing its estimated current value. Pledge Agreement are listed in Schedule 1. The Claims, Financial Instruments and Precious Metals (hereinafter the 2.2. UBS shall be entitled to block the Pledged Assets at any time "Pledged Assets") shall serve as a first ranking security ("gage premier and to enforce its right of retention until all Secured Claims have been en rang") to secure all present, future and contingent rights and discharged in full. claims of UBS including its agents and affiliated companies towards UBS is empowered to take all measures it deems necessary or the Pledgor and if applicable the Debtor, resulting from any type of advisable to maintain or render the pledge enforceable towards third business transaction, (hereinafter the "Secured Claims"), regardless of parties in accordance with Luxembourg law. The Pledgor expressly whether they are principal claims, interest or accessory claims, and the undertakes to use his/her/its best efforts and to fully co-operate with conditions to which these claims are subject. UBS to procure that the pledge created hereunder be perfected to UBS herewith accepts the pledge on the Pledged Assets. UBS's satisfaction. In this respect: UBS shall be entitled to collect the income of the Pledged Assets when • all non-fungible bearer securities and all valuables held by UBS due and to apply it as it deems appropriate, unless agreed otherwise. for the account of the Pledgor are hereby transferred to UBS as security;

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only Mandate no. Ref. DocTool  Partner I.D. BPFA LU_20089 E V3 07.2013 Page 1/5 Master no.

• UBS shall be authorised to record the pledge created hereun- 4. The Pledgor undertakes to fulfill all formalities required so that der in the appropriate register of securities, in respect of secu- UBS can exercise all its rights and claims arising from this Pledge rities in registered form, and all securities transferable "to the Agreement. order of" may be endorsed by UBS in the name and on behalf The Pledgor hereby expressly authorizes UBS, in the Pledgor's name, of the Pledgor, indicating that they have been pledged; and to communicate with any third parties holding the Pledged Assets, • all fungible securities shall be considered to have been regis- with respect to the pledge created hereunder. UBS may collect from tered in one of the accounts of the Pledgor with UBS, and for third parties any claims which the owner of the Pledged Assets has this purpose, this account shall be considered as a special against them. In particular, it may give notice and collect its claims and account. securities. If the Pledgor and/or, if applicable, the Debtor, fails to comply with its 3. This Pledge Agreement, and the pledge created hereunder, obligations towards UBS, the Pledgor shall no longer be entitled to shall be a continuing security and shall not be considered as satisfied exercise voting rights on the Financial Instruments, and UBS shall be or discharged or prejudiced by any intermediate payment, a settle- entitled, at its discretion, to represent and exercise voting rights on ment of any part of the Secured Claims, any time or indulgence such Financial Instruments, granted to any person, any abstention or delay of UBS to perfect or enforce the pledge created hereunder, any failure or delay by UBS in 5. All costs which arise in connection with or out of this Pledge exercising any of its rights or by any single or partial exercise by UBS of Agreement and its consequences shall be borne by the Pledgor. any right under this Pledge Agreement. The pledge created hereunder shall remain in full force and effect until it has been released by UBS in 6. The Pledgor shall not grant any lien, pledge or similar rights on accordance with the terms of this Pledge Agreement. the Pledged Assets to third parties without the prior written consent No failure on the part of UBS to exercise, or delay on its part in exer- of UBS. cising, any of its rights under this Pledge Agreement shall operate as a waiver thereof, nor shall any single or partial exercise of any such right 7. Governing law and jurisdiction preclude any further or other exercise of that or any other rights. This Pledge Agreement shall be governed by and construed in The Pledgor shall not be entitled to require the release of the pledge accordance with the law of the Grand Duchy of Luxembourg. created hereunder, until all the Secured Claims have been entirely and The place of performance of all obligations shall be Luxembourg. All definitively repaid to UBS' satisfaction. The pledge created hereunder disputes in connection with the present Pledge Agreement shall, shall only be validly released when a written notice of release is sent within the limits of the applicable law, be of the exclusive competence by UBS to the Pledgor. of the Courts of Luxembourg, Grand Duchy of Luxembourg. The pledge created hereunder shall be cumulative, in addition to and independent from every other security which UBS may at any time 8. The General Terms and Conditions of UBS, which the hold as security for the Secured Claims or any rights, powers and rem- client confirms to have read and accepted, are an integral part edies provided by law and shall not operate so as in any way to preju- of this Pledge Agreement. dice or affect or be prejudiced or affected by any security interest or In case of discrepancies between the provisions of this Pledge other right or remedy which UBS may now or at any time in the future Agreement and the provisions of the General Terms and Conditions of have in respect of the Secured Claims. UBS, the most favorable provisions for UBS shall apply. References in other agreements/documentation to the "Pledge Agree- Made in as many originals as there are parties hereto, each party ment" or to the "Charge/Declaration of Pledge" shall be understood acknowledging to have received one fully signed original. as a reference to this Pledge Agreement.

Signature(s)

Place Date (dd.mm.yyyy) Signature(s) of the Pledgor(s)

Place Date (dd.mm.yyyy) Signature(s) of the Debtor(s) (if assets charged/pledged are deposited by a third party) UBS Europe SE, Luxembourg Branch 33A, Avenue J.F.Kennedy L-1855

Place Date (dd.mm.yyyy) Signature UBS Europe SE, Luxembourg Branch

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Signature(s) verified/signed in my presence Page 2/5 Master no.

Schedule 1 to the Pledge Agreement between Pledgor and UBS Europe SE, Luxembourg Branch, as pledgee

Account Holder Details

First name, last name of the Account Holder UBS Europe SE, Luxembourg Branch 33A, Avenue J.F.Kennedy L-1855 Luxembourg Account held with

Account number(s)* * The account number is always the master number of the account.

The account(s) listed above is/are the account(s) opened with UBS as at .

The Pledgor hereby expressly agrees and acknowledges that any accounts and/or sub-accounts to be opened in the future after such date, if any, even if such account(s) and/or sub-account(s) would not be mentioned in Schedule 1, will also be pledged to UBS Europe SE, Luxembourg Branch in accordance with the terms of the Pledge Agreement. The account(s) listed in Schedule 1 are therefore for information only. Please refer to the Pledge Agreement for further information. Should one or several account(s) already opened on such date not be listed in this Schedule 1 for whatever reason, the Pledgor hereby expressly agrees and acknowledges that Schedule 1 shall be amended accordingly if so requested by UBS.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Page 3/5 Master no.

Margin Call - Close Out Process

Information

Lombard Loan Example: The Lombard loan is a loan collateralized by securities (capital market The following graph illustrates two different stages: investments such as equities, bonds, fund units, etc.) which are pledged and deposited with the lender. Because securities are subject to fluctuations in value, loans are not granted for 100% of the value deposited. The bank calculates a security margin, also called haircut. The lending value is the maximum loan-to-value ratio for the securities deposited and is the market value of the securities minus the security margin. Your securities custody account that serves as collateral for the Lombard loan will usually be broadly diversified. This means that the investments are spread over various securities, countries, sectors, currencies and asset classes in order to reduce the risk that the value of the collateral is insufficient to cover the loan. A shortfall or under-collateralization typically occurs faster when port- folios are insufficiently diversified, the loan currency is different from the currency of the collateralized securities or the loan-to-value ratio is utilized to a significant extent. The following describes the measures usually taken by UBS in the event of depreciation in the value of your portfolio. UBS is entitled to alter these measures at any time and in individual cases to diverge from this procedure at its own discretion. Maximum loan-to-value ratio > loan draw down: The maximum loan-to-value ratio is higher than the amount Depreciation in the value of your portfolio 1 of the loan drawn down. The security margin is sufficient You are obliged to ensure that there is sufficient collateral to cover all and the status is OK. loan outstandings on your account. If UBS observes that the value of the collateral securing the loan has declined, your UBS client advisor Maximum loan-to-value ratio < loan draw down: will contact you and request you to provide additional collateral (mar- If the price of the securities deposited declines to such an extent that the security margin is no longer sufficient or the gin call) or to undertake other risk-mitigating measures. 2 loan drawdown is higher than the loan-to-value ratio, risk- Risk mitigating measures mitigating measures must be defined and implemented • Provide cash to either increase the loan-to-value ratio of the immediately. collateral or (partially) repay the loan • As agreed with your client advisor, provide other liquid assets, for example, by transferring securities from another bank to Key information at a glance UBS • Keep an eye on the price movements of your securities. • Sell the securities at best and perhaps buy other securities with Analyze and discuss your portfolio regularly with your client a higher loan-to-value ratio advisor in order to arrange a reduction in the loan, if • Close out open trading positions that can be used to reduce necessary. margin requirements • If possible, do not utilize loan-to-value ratios to the Please note that while these measures are being taken, further dete- maximum. riorations in the market may necessitate additional measures. It is im- • The bank is entitled to demand additional collateral or to portant that our client advisors can reach you easily in order to discuss take all necessary measures in the event of a shortfall. any need for further action. • Depending on how the market performs, the bank can If you fail to comply with a UBS margin call within the period given, request at any time that you provide additional collateral or UBS is entitled to close out the transactions without any further repay the loan partially or entirely. notification. • The bank may alter the maximum loan-to-value ratios, which can result in a margin call or even a close out.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Page 4/5 Master no.

Risks regarding Lombard Loans

Leverage effect Liquidity bottlenecks The use of borrowed capital can generate a higher return on equity Insufficient funds to cover interest installments due or redemption of when the expected investment objective is realized. However, this the loan may result in the sale of the pledged investments at an potentially higher return on equity goes hand in hand with a higher inopportune point in time. investment risk, since the loan costs (interest costs and redemption) are fixed. A certain expenditure item has to be considered in view of Change in risk-return characteristics a related but uncertain return on investment. This so-called leverage Taking up a collateral loan increases the portfolio risk (particularly in effect typically results not only in higher chances of profits, but also highly volatile markets). higher risks of loss. In the extreme case of total loss of equity, this can result in obligations to repay the loan still having to be met. Currency and interest fluctuations Currency and interest rate fluctuations can have a severe impact on Unforeseeable market changes expected return and the value of the investment. If the loan currency If a collateral loan is taken out for investment purposes, the equity is not the same as the currency of the collateralized securities and in- risk will increase since there is no guarantee of how much return the vestments, exchange rate fluctuations may have a severe negative investment will actually yield. Depending on the market situation, it effect. This increases the loss potential of an investment strategy. is possible that the interest on borrowed capital will be higher than the returns. In this case, you would generate a negative leverage effect.

Minimum cover requirements If the value of your securities falls below a certain limit, you may be asked by UBS to furnish additional collateral (margin call) or to repay the loan in part or in full. If you are unable to meet this obligation to make an additional capital contribution or repay the loan, UBS may liquidate some or all of the investments used to secure the loan.

Disclaimer

This document and the information contained herein are provided the future. UBS does not provide legal or tax advice and makes no solely for information purposes, they are not to be regarded as invest- representations as to the tax treatment of assets or the investment re- ment research, and they are not to be construed as an offer or as a turns thereon, either in general or with reference to a specific client's solicitation of an offer to buy or sell any securities or other financial in- circumstances and needs. Clients should obtain independent tax ad- struments. Please note that UBS retains the right to change the range vice on the suitability of products, assets or investment instruments of services, the investment products and the prices at any time with- before investing and as they may consider appropriate. out prior notice and that all information and opinions indicated are Should you have any questions, please contact your UBS Client subject to change. advisor. The client should consult the UBS client advisor on the nature of each This document may not be copied or reproduced without UBS's prior investment and carefully consider whether such investment is ap- written permission. The circulation of this document in the USA or to propriate for the client's situation. Further, tax treatment depends on US persons is prohibited. the individual client’s circumstances and may be subject to change in

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Page 5/5 Master no.

Pledge Agreement

Agreement between

First name, last name / Company name (hereinafter "Pledgor") and

UBS Europe SE, Luxembourg Branch 33A, Avenue J.F.Kennedy L-1855 Luxembourg (hereinafter"UBS")

The Pledgor provides security to UBS in accordance with this Pledge Agreement (please tick box): for his/her/its own obligations for the obligations of:

First name, last name / Company name (hereinafter the "Debtor")

Agreement

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only Mandate no. Ref. DocTool  Partner I.D. BPFA LU_20089 E V3 07.2013 Page 1/5 Master no.

• UBS shall be authorised to record the pledge created hereun- 4. The Pledgor undertakes to fulfill all formalities required so that der in the appropriate register of securities, in respect of secu- UBS can exercise all its rights and claims arising from this Pledge rities in registered form, and all securities transferable "to the Agreement. order of" may be endorsed by UBS in the name and on behalf The Pledgor hereby expressly authorizes UBS, in the Pledgor's name, of the Pledgor, indicating that they have been pledged; and to communicate with any third parties holding the Pledged Assets, • all fungible securities shall be considered to have been regis- with respect to the pledge created hereunder. UBS may collect from tered in one of the accounts of the Pledgor with UBS, and for third parties any claims which the owner of the Pledged Assets has this purpose, this account shall be considered as a special against them. In particular, it may give notice and collect its claims and account. securities. If the Pledgor and/or, if applicable, the Debtor, fails to comply with its 3. This Pledge Agreement, and the pledge created hereunder, obligations towards UBS, the Pledgor shall no longer be entitled to shall be a continuing security and shall not be considered as satisfied exercise voting rights on the Financial Instruments, and UBS shall be or discharged or prejudiced by any intermediate payment, a settle- entitled, at its discretion, to represent and exercise voting rights on ment of any part of the Secured Claims, any time or indulgence such Financial Instruments, granted to any person, any abstention or delay of UBS to perfect or enforce the pledge created hereunder, any failure or delay by UBS in 5. All costs which arise in connection with or out of this Pledge exercising any of its rights or by any single or partial exercise by UBS of Agreement and its consequences shall be borne by the Pledgor. any right under this Pledge Agreement. The pledge created hereunder shall remain in full force and effect until it has been released by UBS in 6. The Pledgor shall not grant any lien, pledge or similar rights on accordance with the terms of this Pledge Agreement. the Pledged Assets to third parties without the prior written consent No failure on the part of UBS to exercise, or delay on its part in exer- of UBS. cising, any of its rights under this Pledge Agreement shall operate as a waiver thereof, nor shall any single or partial exercise of any such right 7. Applicable law and jurisdiction preclude any further or other exercise of that or any other rights. This Pledge Agreement shall be governed by and construed in The Pledgor shall not be entitled to require the release of the pledge accordance with the law of the Grand Duchy of Luxembourg. created hereunder, until all the Secured Claims have been entirely and The place of performance of all obligations shall be Luxembourg. All definitively repaid to UBS' satisfaction. The pledge created hereunder disputes in connection with the present Pledge Agreement shall, shall only be validly released when a written notice of release is sent within the limits of the applicable law, be of the exclusive competence by UBS to the Pledgor. of the Courts of Luxembourg, Grand Duchy of Luxembourg. The pledge created hereunder shall be cumulative, in addition to and independent from every other security which UBS may at any time 8. The General Terms and Conditions of UBS, which the hold as security for the Secured Claims or any rights, powers and rem- client confirms to have read and accepted, are an integral part edies provided by law and shall not operate so as in any way to preju- of this Pledge Agreement. dice or affect or be prejudiced or affected by any security interest or In case of discrepancies between the provisions of this Pledge other right or remedy which UBS may now or at any time in the future Agreement and the provisions of the General Terms and Conditions of have in respect of the Secured Claims. UBS, the most favorable provisions for UBS shall apply. References in other agreements/documentation to the "Pledge Agree- Made in as many originals as there are parties hereto, each party ment" or to the "Charge/Declaration of Pledge" shall be understood acknowledging to have received one fully signed original. as a reference to this Pledge Agreement.

Signature(s)

Place Date (dd.mm.yyyy) Signature(s) of the Pledgor(s)

Place Date (dd.mm.yyyy) Signature(s) of the Debtor(s) (if assets charged/pledged are deposited by a third party)

Place Date (dd.mm.yyyy) Signature UBS Europe SE, Luxembourg Branch

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Signature(s) verified/signed in my presence Page 2/5 Master no.

Schedule 1 to the Pledge Agreement between Pledgor and UBS Europe SE, Luxembourg Branch, as pledgee

Account Holder Details

First name, last name UBS Europe SE, Luxembourg Branch 33A, Avenue J.F.Kennedy L-1855 Luxembourg Account held with

Account number(s)* * The account number is always the master number of the account.

The account(s) listed above is/are the account(s) opened with UBS as at .

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Page 3/5 Master no.

Margin Call - Close Out Process

Information

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Page 4/5 Master no.

Risks regarding Lombard Loans

Disclaimer

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BPFA LU_20089 E V3 07.2013 Signature(s) verified/signed in my presence Page 5/5 Master no.

Framework Agreement for Collateralized Facilities - Private Individuals

between

First name, last name (hereinafter the "Client"1) and UBS Europe SE, Luxembourg Branch 33A, Avenue J.F.Kennedy L-1855 Luxembourg (hereinafter"UBS") (UBS and the Client being jointly designated as the "Parties", and individually as the respective "Party")

This framework agreement for collateralized facilities (the "Agreement") is concluded by and between the Parties subject to the following terms and conditions.

Agreement

1. Scope of application "Guarantee" has the meaning given to such term in section 6.4 of This Agreement establishes a framework applying to all current and this Agreement. future Facilities (as defined below) granted by UBS to the Client where the Client's assets or those of a third party are pledged as collateral in "Lending Value" corresponds to the market value of the Collateral favor of UBS. less a margin (the "Haircut"), decided by UBS at its sole discretion. The Lending Value varies - inter alia - according to the daily price 2. Definitions fluctuations of the Collateral. "Amount Due" means the total amount due or to be due by the Client to UBS in relation to a Facility granted by UBS to the Client "Pledged Assets" means the assets which are pledged in favour of (including, but not limited to, the principal claim, accrued interest and UBS under UBS's General Terms and Conditions, a separate pledge all other amounts accrued or outstanding under this Agreement). agreement, or under any other agreement.

"Business Day" means each day, other than Saturdays, Sundays, or "Real Estate Fixed Advance" has the meaning given to such term in public holidays, on which UBS in Luxembourg is open for business. section 6.5 of this Agreement.

"Collateral" means the Pledged Assets as well as any additional 3. Lending principles security provided (e.g. bank guarantees issued in favour of UBS (credit The Parties expressly agree that this Agreement does not create any support)) which shall serve as a security for the Facilities. commitment from UBS to grant a Facility to the Client. UBS reserves the right to confirm in writing the terms agreed for individual Facilities "Collateral Security Margin" has the meaning given to such term in and to demand the conclusion of supplementary agreements or the section 6.3 of this Agreement. countersignature of specific agreement(s) and/or declaration(s) for certain types of Facilities. "Current Account Overdraft" has the meaning given to such term All Facilities must be covered at all times by the Lending Value of the in section 6.1 of this Agreement. Collateral. Each Facility requires an application from the Client, sufficient Lending Value of the Collateral and the prior approval of UBS. "Eligible Collateral" means financial instruments and other instruments that can, in principle, be accepted by UBS as Collateral for UBS decides at its sole discretion which assets qualify as Collateral and Facilities (e.g. freely tradable intermediated securities, securities and determines at any time the applicable Lending Value of Eligible other easily marketable assets (such as precious metals, fiduciary Collateral. The information in Schedule 1 of this Agreement shows - investments, claims in respect of insurance policies, etc.)) and positive as an indication only - the current Lending Values applied to certain account balances. types of assets which may serve as Collateral for Facilities. Upon request, the Client may receive information about the actual Lending "Event of Default" has the meaning given to such term in section 9 Value of his Collateral. of this Agreement. UBS reserves the right to alter these lending principles and the Haircuts and to set them individually for each Client and account and/ "Facilities" means facilities that UBS may grant under this Agreement or sub-account at any time and without any prior notice. Upon which may take the form of a (i) Current Account Overdraft, (ii) Fixed request, UBS shall advise the Client of the current Lending Value of Advance, (iii) Collateral Security Margin, (iv) Guarantee, or (v) Real the Collateral and the options with regard to the utilization of the Estate Fixed Advance. available Facility.

"Facilities Amount" means the aggregate outstanding principal 4. Financial covenants, Credit monitoring and Shortfall amount of all Facilities granted under this Agreement at any time of determination thereof. 4.1. Covenants The Client covenants and undertakes to have the Facilities granted to "Fixed Advance" has the meaning given to such term in section 6.2 him covered, at all times, by Collateral with sufficient Lending Value. of this Agreement.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only Mandate no. Ref. DocTool  Partner I.D. BLOP LU_20370 E V2 10.2018 Page 1/5 Master no.

4.2. Credit monitoring and Shortfall 6.4. Guarantees UBS monitors periodically the Lending Value of the Collateral. The Client may request that UBS issues a guarantee in favor of a third- If the Lending Value of the Collateral falls, or is very likely to fall, party beneficiary (the "Guarantee") on certain terms and conditions. below the Facilities Amount (the "Shortfall"), or if UBS, for any other Upon such Client's request, UBS, at its sole discretion, shall determine reason, no longer considers the Collateral as adequate cover for its the terms and conditions of any Guarantee. The order to issue a claims, the Client will be notified in accordance with the means of Guarantee shall be made in writing in any form determined by UBS. communication agreed between UBS and the Client in the account opening documentation or in the course of the banking relationship 6.5. Real Estate Fixed Advances (the "Shortfall Notification"). Should UBS be unable to reach the The Client, qualifying as consumer under the relevant applicable legal Client, the Shortfall Notification shall be considered as duly made on framework, may request a loan, purpose of which is to acquire or the day UBS tried to notify the Client using all reasonable means. retain property rights in land or in an existing or projected building, The Shortfall has to be eliminated within two (2) calendar days after the for which the Client elects, subject to UBS's approval, currency, Shortfall Notification, either by depositing additional Eligible Collateral, amount and maturity (the "Real Estate Fixed Advance"). by remitting cash of the appropriate amount or by selling assets. Once a Real Estate Fixed Advance is requested by the Client, UBS will If the Client does not comply with the request to eliminate the Short- provide the Client with an offer document, the European fall within two (2) calendar days after the Shortfall Notification, it shall Standardized Information Sheet (the "ESIS"). The offer contained is constitute an Event of Default as stipulated in section 9. of this Agree- valid for, and may be accepted by the Client during, a period of ment, and UBS shall thus be entitled to proceed to the elimination of fourteen (14) days. the Shortfall, among others, by enforcing its rights on the Collateral in accordance with section 10. of this Agreement and/or with UBS's 7. Interest, commissions and fees General Terms and Conditions and/or the separate pledge agreement UBS shall debit, on a quarterly basis (unless otherwise specified), any and/or any other agreement. interests, fees and commissions to the Client's account held with UBS. Interest rates, commissions and fees are computed according 5. Collateral to the practices for the relevant currency. Upon request, UBS will The Collateral shall serve as continuing security for all claims of UBS provide information about the applicable rates of interest, fees and relating to all Facilities granted under this Agreement for so long as commissions. any thereof is outstanding. The Collateral shall remain pledged and The Client and UBS expressly agree that, should the LIBOR (London- blocked until the Amount Due related to all Facilities granted by UBS Interbank Offered Rate) Overnight reference interest rate or any other to the Client is repaid in full. relevant reference rate be negative, it shall be deemed to be zero and that UBS will not apply any negative reference rate. 6. Utilization The Client may apply to UBS to utilize a Facility granted by UBS as 7.1. Current Account Overdrafts Current Account Overdraft, Fixed Advance, Collateral Security Margin, The Client shall pay interest on Current Account Overdrafts. The rate Guarantee, or Real Estate Fixed Advance in accordance with this sec- is calculated on the basis of the relevant LIBOR Overnight reference tion 6. interest rate or generally according to the conditions on the euro money market of the relevant currency plus a margin in each case. 6.1. Current Account Overdrafts UBS is entitled to adjust the interest rates to market conditions at any The Client may request UBS to establish an overdraft limit on his ac- time. The Client may not be notified of such changes in advance, but count held with UBS (the "Current Account Overdraft"). The occur- these changes will be shown on the quarterly account statements. rence of a negative balance on any Client's account or sub-account Upon request, UBS will, however, provide information about the shall be deemed to constitute an express request from the Client to applicable interest rates at any time. Interest is debited to the account UBS to establish a Current Account Overdraft of an amount equivalent of the Client held with UBS each quarter. to the negative balance. 7.2. Fixed Advances 6.2. Fixed Advances The Client shall pay interest on Fixed Advances at a rate determined The Client may request a loan for which he elects, subject to UBS's ap- by UBS. In principle, the rate is based on UBS's interbank offered rate, proval, currency, amount and maturity (the "Fixed Advance"). The plus a margin. Client shall notify UBS of the desired amount and term at the latest For Fixed Advances with a term of less than twelve (12) months, two (2) Business Days before the drawdown of a Fixed Advance. UBS interest is owed when the Fixed Advance is due. For advances with a shall have the unilateral right to accept or refuse to extend the matu- term equal or longer than twelve (12) months, interest is due quarterly rity of a Fixed Advance. UBS will communicate to the Client any re- and is debited to the Client's account. fusal to renew a Fixed Advance for an additional term. Provided that UBS does not receive other instructions, the Client 7.3. Collateral Security Margin expressly confirms that UBS shall consider it as a request from the The Client shall pay interests, fees and commission (if any) as Client to renew the Fixed Advance for the same term or for a shorter determined by UBS when a Facility taking the form of a Collateral term (as UBS deems appropriate). UBS may, at its sole discretion, Security Margin is granted. decide to proceed to this renewal, provided the Lending Value of the Collateral is sufficient. 7.4. Guarantees The Client undertakes to inform UBS on the purpose of the Fixed The Client shall pay commissions and fees as determined by UBS Advance and, should the Client qualifies as consumer under the when the Guarantee is issued. applicable legal framework, he represents and warrants that the Fixed The commission for issuing Guarantees is calculated according to its Advances will not be used to acquire or retain property rights in land term and purpose and is determined by UBS on a case-by-case basis. or in an existing or projected building. 7.5. Real Estate Fixed Advances 6.3. Collateral Security Margin The relevant information will be included in the ESIS. UBS requires a security margin for securities lending transactions and derivative transactions (e.g. forward, options, etc.), which must be 8. Early termination provided when the transaction is concluded. The Client may, at any time, partially or totally repay the Amount Due The Client may request that UBS establishes a limit on his account under a Facility (the "Early Repayment") subject to a written held with UBS against which UBS may book exposures under notification sent to UBS three (3) Business Days prior to the Early securities lending transactions, derivatives trading and forward Repayment. transactions during the term of the securities lending or derivative transaction (the "Collateral Security Margin"). UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

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In case of partial or total Early Repayment of Fixed Advances or Real If, as a result of any introduction of, change in, interpretation or Estate Fixed Advances, if the amount of the Early Repayment exceeds application of any applicable law or regulation (whether or not having EUR 25,000 (twenty five thousand Euro), the Client shall pay breakage the force of law), UBS's costs of making or maintaining any Facility is costs determined according to the market practice and as increased, then the Client shall pay to UBS on first demand the communicated to the Client by UBS. amount of any such costs. The Client expressly authorizes and instructs UBS to debit all amounts 9. Event of Default pursuant to this section 12 from (any of) the account(s) held by the Each of the events or circumstances set out in this section 9 is an Client with UBS. "Event of Default": 13. Representation and warranties 9.1. Non-payment On the date of this Agreement, the Client represents and warrants The Client does not pay on the due date any Amount Due. and shall be deemed to represent and warrant (i) on each date the Client requests any Facility to be granted, and (ii) on each date the 9.2. Shortfall Client makes or is required to make any payment pursuant to this A Shortfall situation occurred and (i) has not been remediated by the Agreement, as follows: Client within two (2) calendar days following the Shortfall Notification; or (ii) an extraordinary market situations exists. a) Powers and authority: The Client has the power and authority to enter into, perform and deliver, and has taken all necessary 9.3. Other obligations actions to authorize, or received any and all necessary consents The Client does not comply with any provision of this Agreement. for, the entry into, performance and delivery, of this Agreement and all the transactions contemplated by this 9.4. Misrepresentation Agreement; Any representation or statement made or deemed to be made by the b) Binding obligations: The obligations expressed to be assumed Client hereunder or in any other document delivered by or on behalf of by the Client under this Agreement are legal, valid, binding the Client under or in connection with this Agreement is or proves to have been incorrect or misleading when made or deemed to be made. and enforceable obligations, except as limited by applicable bankruptcy, insolvency and other similar laws affecting the 9.5. Cross default enforcement of creditors' rights in general; and The Client has failed to honor any obligation in respect of financial c) Non-conflict with other obligations: The entry into and indebtedness under any agreement other than this Agreement. performance by the Client of, and the transactions contemplated by, this Agreement do not and will not conflict 9.6. Termination of the banking relationship with (i) any law or regulation applicable to him, or (ii) any The Client did, or has informed UBS of its will to, terminate its agreement or instrument binding upon him or his assets. banking relationship with UBS. 14. Payments to UBS 10. Acceleration When due, the Amount Due will be debited from the Client's account On and at any time after the occurrence of an Event of Default, UBS with UBS. Should the Client's account, as a result, show a negative may, without being obliged, immediately and at its sole discretion: balance, it shall not, in any case, be considered as a Current Account Overdraft authorized by UBS but as an unauthorized overdraft to • Declare the Facilities Amount or any Amount Due together which UBS may apply the applicable charges and fees. with accrued interest and all other amounts accrued or All payments to UBS arising from this Agreement and/or from any outstanding under this Agreement immediately due and Facility granted are to be paid to UBS without deduction of taxes, payable and/or; duties, fees, costs or retention of any kind in a freely disposable • Accelerate each Fixed Advance and/or Real Estate Fixed currency. Advance and/or; • Cancel each Cash Account Overdraft and/or Collateral Security 15. Death or Incapacity to Act Margin with immediate effect and/or; This Agreement shall remain in full force and effect in the event of the Enforce the Pledge on the Pledged Assets in accordance with Client's death or incapacity to act. However, UBS shall be entitled, at the relevant terms of UBS's General Terms and Conditions, the its absolute discretion, to suspend or terminate this Agreement or to separate pledge agreement, or under any other agreement execute any written or verbal instructions if it becomes aware of the and/or; Client's death or incapacity to act. • Offset the proceeds resulting from the enforcement of the Pledge against any claims it has against the Client resulting 16. General Terms and Conditions from a Facility and/or; Unless otherwise specified in this Agreement, UBS's General Terms • Offset the proceeds resulting from the enforcement of the and Conditions shall apply. Pledge to cover any Shortfall. 17. Severability No exercise or failure to exercise of any of its rights by UBS pursuant If any provision of this Agreement shall be held to be invalid or unen- to this section 10 shall limit or otherwise affect the exercise of such forceable by any court, or regulatory body, such invalidity or unenforce- rights. ability shall attach only to such provision. Neither the validity nor the en- forceability of the remaining provisions shall be affected thereby. 11. Termination The credit relationship created hereunder is unlimited - insofar as 18. Applicable law nothing else has been agreed. However it can be terminated by UBS This Agreement shall be governed by and construed in accordance at any time with a 30 days prior notice. In such case, the Facilities with the law of the Grand Duchy of Luxembourg. Amount or any Amount Due together with accrued interest and all other amounts accrued or outstanding under this Agreement shall 19. Jurisdiction become due and payable on the effective date of termination. The place of performance of all obligations shall be Luxembourg. All disputes in connection with the present Agreement shall, within the 12. Costs The Client shall reimburse all costs and out-of-pocket expenses limits of the applicable law, be of the exclusive competence of the (including, but not limited to, legal fees) incurred by UBS in Courts of Luxembourg, Grand Duchy of Luxembourg. connection with the preparation, execution or enforcement of any Facility, the Pledge or any related agreement.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

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Signature(s)

So done in as many original versions as there are Parties.

Place Date (dd.mm.yyyy) Signature of the Client

Luxembourg Place Date (dd.mm.yyyy) Signature UBS Europe SE, Luxembourg Branch

1 Words used herein regardless of the number and gender specifically used shall be deemed and construed to include singular or plural, and any other gender, masculine, feminine or neuter, as the context requires.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BLOP LU_20370 E V2 10.2018 Signature(s) verified/signed in my presence Page 4/5 Master no.

For information purposes

Lending Values

The following lending values (as a percentage of the relevant market or, if appropriate, nominal values) can be taken as a guide:

Shares 0% - 75%

Bonds and notes 0% - 95%

UBS investment fund units 0% - 95%

Structured products 0% - 85%

Precious metals 0% - 80% Gold, silver, platinum, palladium Fiduciary investments / 0% - 95% Time deposits

Money market paper 0% - 95%

UBS reserves the right to change the lending principles and lending value at any time and/or to set it individually for each type of assets, Client and each account and/or custody account, e.g. the lending value of a specific share might be zero (0 %).

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

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Framework Agreement for Collateralized Facilities - Private Individuals

between

This framework agreement for collateralized facilities (the "Agreement") is concluded by and between the Parties subject to the following terms and conditions.

Agreement

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only Mandate no. Ref. DocTool  Partner I.D. BLOP LU_20370 E V2 10.2018 Page 1/5 Master no.

For internal use only

BLOP LU_20370 E V2 10.2018 Page 2/5 Master no.

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BLOP LU_20370 E V2 10.2018 Page 3/5 Master no.

Signature(s)

So done in as many original versions as there are Parties.

Place Date (dd.mm.yyyy) Signature of the Client

Luxembourg Place Date (dd.mm.yyyy) Signature UBS Europe SE, Luxembourg Branch

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

BLOP LU_20370 E V2 10.2018 Signature(s) verified/signed in my presence Page 4/5 Master no.

For information purposes

Lending Values

The following lending values (as a percentage of the relevant market or, if appropriate, nominal values) can be taken as a guide:

Shares 0% - 75%

Bonds and notes 0% - 95%

UBS investment fund units 0% - 95%

Structured products 0% - 85%

Precious metals 0% - 80% Gold, silver, platinum, palladium Fiduciary investments / 0% - 95% Time deposits

Money market paper 0% - 95%

UBS Europe SE, Luxembourg Branch, 33A, Avenue J.F. Kennedy, L-1855 Luxembourg, R.C.S. Luxembourg No. B209123

For internal use only

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