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UBS TWINT is the free and most frequently used mobile payment appinSwitzerland. With well over 900,000 registrations, UBS TWINT istheNumber 1 in Swiss mobile payment and the digital cashofSwitzerland. Digital payments and sending money directly toorreceiving money from friends has never been easier. Pay forparkingwithout coins, pay for your purchases at Coop and Migros viatheapp, cashless and hassle-free with UBS TWINT. UBS TWINT connectstoyour credit cards and bank accounts directly. This alsoworkswithout a UBS Account. We look forward to your registration!WHATTWINT CAN DO: Send, receive and request money: quickly andsecurelysend, request and receive money via smartphone to friends,familyand colleagues Pay in the online store: save valuable timewhenshopping online and scan the QR code in the check-out or switchtothe TWINT app to release the payment (e.g. atticketcorner.ch,microspot.ch, SBB, Coop, Swisscom or Migros)KeyClub points:Collect valuable points when paying via TWINT usingthe depositedUBS credit card Coupons & Credits: Buy digitalcoupons andcredit with just a few clicks for yourself or as a giftPay parkingfees: in case of public parking lots, pay the parkingfee vialocation determination in the app or QR code on the parkingmeterPay in Apps: Use TWINT as a secure payment method in the AppsofSBB, Fairtiq and Lezzgo and buy the tickets cashless Paycashlessat the cash desk: pay conveniently with your cell phone inthestore, restaurant, farm store etc. cashless at any cardterminalwith QR codes (e.g. at SBB or Migros) or via TWINT Beacon(e.g. atCoop or Post) Donations: Donate to charity for Swissaidorganizations and their projects Profit: profit fromvariouscoupons, raffles, vouchers and stamp cards SECURE IS SECURE-Complies with the security standards of Swiss banks - Alldataremains in Switzerland - Protected by 6-digit PIN orfingerprint -The UBS TWINT account can be blocked at any timeREGISTER QUICKLYAND SIMPLY - Register once with your Swiss mobilenumber and yourcredit card or your Swiss bank account. You cancollect additionalKeyClub points with your credit card. - If youare not a UBScustomer, you will need a Swiss credit or prepaid cardforregistration and official identification (ID, passport,driver'slicense, etc.). UBS Switzerland AG has only made the UBSTWINT App("App") available to the following persons, for whom itwas alsodesigned exclusively (i) existing clients of UBSSwitzerland AG andother non-US subsidiaries of UBS Group AGdomiciled in Switzerlandand (ii) natural persons domiciled inSwitzerland. UBS TWINT is notintended for US residents. The factthat the App can be downloadedfrom non-Swiss App Stores does notconstitute a solicitation, anoffer or a recommendation to enterinto any transaction, nor shouldit be construed as a solicitationor offer to establish a clientrelationship between the persondownloading the App and UBSSwitzerland AG or other non-USaffiliates of UBS Group AG. FEEDBACKAND SUPPORT Do you havequestions or suggestions for improvement?Contact us directly viathe UBS TWINT Hotline 0848 000 374 (365days / 24 hours) or visitour website. FURTHER INFORMATIONhttp://www.ubs.com/twint

"Make your life simpler again".Under this motto, the Sympany app focuses on the key elements ofyour insurance,to help you simplify your life insurance everyday.The following functions are currently available:BenefitsDetails billed invoices (medical bills, etc.). and display yourcost sharing.Photograph and send invoicesSubmit your doctors' invoices and reimbursement documentsonlinePersonal informationView the personal data from you or your family.My insurancesOverview of the insurance policies, including premiums and otherdetails.Account informationView of stored account numbers for payments or premiums loads.We will customize the app continually on client needs.

Log in to e-banking or the Mobile Banking app easily andsecurely.The UBS Access app also lets you confirm new paymentrecipients andonline purchases by credit/prepaid card and receivemessages aboutsecurity-related events. 1. Easily log in to DigitalBanking •E-banking: open login page, scan QR code with the Accessapp, enteryour PIN – and you’ll be securely logged in to e-banking.• MobileBanking: launch the Mobile Banking app, select “Access app”as thelogin method and enter your PIN – that’s it. You can use allthefunctions of the Mobile Banking app. 2. Approve onlinepaymentssecurely • When you make online payments by credit /prepaid card,you will receive a Push message and can simply confirmthe payment.• A 3-D Secure password is no longer required. •Maximum securitystandards reduce the risk of fraud. 3. Easilyconfirm new paymentrecipients • Unblock the Access app with a PIN,check recipientsand approve payments • No Access card and cardreader needed 4.Receive security messages • Get information aboutsecurity-relatedevents such as changes to passwords, securitysettings or contactdetails. Here's how secure it is to use the UBSAccess app: • A PINof your choice protects the Access app – even ifyou lose yoursmartphone. • The Access app always checks thesecurity of yoursmartphone before you log in to Digital Banking. •The securitycode for the login is calculated automatically andtransferreddirectly to UBS. The data transmission is protected bymulti-levelsecurity. • The Access app is always up-to-date andoffers optimumprotection. For more security: • The app cannot beused if thesecurity mechanism installed by the device manufacturerhas beenremoved or modified (rooting). Moreinformation:ubs.com/access-app-help-android UBS Switzerland AG andother non-USaffiliates of UBS Group AG have made the UBS Access App(“App”)available to, and this App is only intended for and able tobe usedby, existing customers of UBS Switzerland AG and such othernon-USaffiliates of UBS Group AG. The app is not intended for USpersonsnor persons domiciled in Australia. The fact that the Appcan bedownloaded in the Google Play Store neither constitutesasolicitation, offer or recommendation to enter intoanytransaction, nor is it to be understood as a solicitation orofferto establish a customer relationship between the personwhodownloads the App and UBS Switzerland AG or other non-USaffiliatesof UBS Group AG. You will need: • Your Access Card withcard reader/ Access Key or your Access Card Display for activation• A bankingrelationship with UBS Switzerland AG, UBS Europe SE(Germany,Italy) or UBS AG (Hong Kong, Singapore) and access to UBSDigitalBanking • The latest version of UBS Mobile Banking app •Mobilenumber for security notifications stored in Digital Bankingforactivating the Access app The scope of functions maydifferdepending on the country. We hope you will enjoy using theUBSAccess app. We look forward to receiving your feedbackandevaluation in the Apple App Store. This easy video shows you howtoactivate the UBS Access App: ubs.com/accessapp-registration

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