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Access to the exclusive rewards and privileges reserved for UBS clients

Welcome to the UBS Visa Signature® credit card

Three reasons why you’ll want to start using your card today

1) The serviceStandingbehindyourUBSVisaSignature® credit card is a dedicated UBS team, committed to deliveringthehighlevelofserviceyouexpect.Whetheryouneedhelpbookingaflightormakingadinnerreservation,ourUBSConciergeisreadytomakeyourarrangements.

2) The privileges TakeadvantageoftheuniqueCashConnect feature that lets you accesscashatbanksandATMsworldwidewithoutthefees.1 Shop andtravelwithconfidencethankstothecard’srangeofsecurityprotectionfeatures.RelaxatsomeofthefinesthotelsthroughtheVisaSignatureLuxuryHotelCollection.

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3) The rewardsUse your My Choice Rewards points for giftcards,merchandiseandflightsonanyairline—withoutblackoutdates.Andfortheultimateinflexibility,youcanredeemyourpointstopayforanythingyoubuywiththecard.2

Start using your card today to enjoythese extraordinary benefits.

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A credit card that you’ll want to use at the ATM GetcashatbanksandATMsworldwidewithouthavingtopayfinancechargesandcashadvancefees.That’sbecause,withtheCashConnect feature, your cash advances are automatically repaid each businessdayfromyourResourceManagementAccount®(RMA®).1Andaslongasyouhavesufficientfunds,youwon’tincurfinancechargesandcashadvancefees.

Unlimited ATM fee rebates in the U.S.WhenyouuseyourcardatbanksandATMs,you’llalsoreceiveanunlimitednumberofATMfeerebatesofupto$3pertransactionintheU.S.3

Accepted at more locations worldwideSince Visa® is accepted by more merchants, it’s easierforyoutouseyourcardathomeandabroad.

A more convenient way to payYou’llearnMy Choice Rewards points when you use yourcardtopayone-timeorrecurringbills(cable,cellphone,etc.).

Andforaddedconvenience,thePay Credit Card feature lets you automatically pay your monthly card statementfromyourRMA.

Access cash anywhere without the fees

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Worldwide protection with the personal touch

Coverage around the clock—and around the globe4 Nomatterwhereyouare,youcancounton thefollowingpurchaseprotectionfeatures:•Purchasesecurity•Returnprotection• Extended warranty •Youwillnotbeheldliableforfraudulentuse

of the card if reported promptly•Emergencycardreplacementandcash

disbursement

You’llalsobenefitfromtravelprotectionservices:•Autorentalloss/damagecoverage• Travel accident insurance •Roadsideassistance•Baggagedelay•Lostluggagereimbursement

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A Concierge who redefines serviceAtthecenterofyourcardistheUBSConcierge,whoisstandingbytohelpyouwitheverythingfrommakingalast-seconddinnerreservationtoplanningyournexttrip.TheUBSConciergewillevenbookyourtravelwithoutanyconciergebookingfees. ToputtheUBSConciergetoworkfor you, simply call 877-375-1172 (choose option2).

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If it’s out there, you can buy it with your points

The My Choice Rewardsprogramwasdesignedtogiveyoumaximumflexibility.Youcanredeemyourpointsforeverythingfromflightsandjewelrytoelectronicsandgiftcardsatubs.com/onlineservices.

Andthat’sjustforstarters.WiththePersonal Choice redemptionfeature,youcanpayforanythingyoupurchasewithyourUBSVisaSignaturecreditcardusingyourpoints,aslongasyourpurchasesaddupto$100ormorebeforeredeeming.Itdoesn’tgetmoreflexiblethanthat.

•Earn1pointperdollarspentoneligiblepurchases•Pointsdonotexpireaslongasyourcardaccount

remains open5

• Transfer points between your UBS accounts

A bright idea—earn points on your monthly electric billWhen you use your card to pay your bills, whether foraone-timeorrecurringpayment,you’llearn My Choice Rewardspoints.

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From gift cards to great merchandise,the choice is yours

OneofthemostpopularitemsUBSclientsredeemrewardspointsforaregiftcards.Whetheryou’relookingtotreatyourselforsomeoneelse,giftcards start for as little as 3,500 points and are available from many partners and in a variety of denominations.

Orredeemyourpointsformerchandiseavailable atouronlineshopfortopnameslikeiPod®, Black&Decker®, Bose®andmore.

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Travel at the speed of yes

No blackout dates on flights and hotelsOneoftheadvantagesofusingtherewardspointsearnedonyourUBSVisaSignaturecreditcardfortravelisthatyoucanbookflightsandhotelswithoutbeinglimitedbyblackoutdates.Findaflightorhotel,bookitandredeempointstocoverthecost.

Fly for fewer pointsThecardletsyouflyforfewerpointsandwithoutanyblackoutdatestorestrictyou.Whilemanyprogramschargeyou90,000pointsfora$900

airlineticket,asaUBSclient,thatsameticketonanyairlinewillonlycostyou50,000points.6Orredeemjust25,000pointsforaticketworthupto$350.6

Take off with NetJets® Accesstoflyvirtually

whereverandwheneveryouwanttogowithNetJets,theworldwideleaderinprivateaviation.NetJetshasasolutionforalmosteveryneed—shares,leasesandtheMarquisJetCard®.

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Luxury hotels at the best rates—guaranteed Fromboutiquetreasurestotheopulenceofworld-famoushotels, you have access to the full breadth of the Visa SignatureLuxuryHotelCollection.Receivewitheveryreservation:•Bestavailablerateguarantee•Automaticroomupgradeuponarrival,whenavailable•Freein-roomInternet•Complimentarycontinentalbreakfast•3p.m.check-out,whenavailable•VIPgueststatus•$25foodorbeveragevoucher

Explorethecollectionbyvisiting ubs.com/visasignaturehotels.

Le Meridien Bora BoraFrench Polynesia

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We’re always here for you,where and when you need us

UBS Client Services: 800-762-1000Callanytimetoaccessaccountinformation,reviewtransactionsorlearnaboutyourcardbenefits.

UBS Concierge: 877-375-1172 (choose option 2)TalktoyourUBSConciergeaboutbookingyournextflight,giftrecommendations,dinnerreservationsandmore.

Benefits and rewards: ubs.com/creditcardFordetailedinformationabouttheMy Choice Rewardsprogramandyouraccountbenefits,includingTermsandConditions,pleasevisitusonlineatanytime.

UBS Online Services (OLS): ubs.com/onlineservicesEverythingyouneedtomanageyouraccount and redeem your rewards points is conveniently located in one place:• View recent account activity and monthly statements• Enroll in Pay Credit Card•Checkyourrewardspointsbalance• See rewards options and redeem points

Start using your card today to enjoythese extraordinary benefits.

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1TheautomatictransfersusedtopayoffyourCashConnect advances will reduce the available funds in your UBS account, and, as a result, couldaffectothertransactionsdependentoncash,suchasfeepayment,investmentpurchases,onlinebillpay,debitcardusageandoutstandingchecks.PleasemakesurethatyouhavesufficientavailablefundsinyourUBSaccounttocovertheseitems,aswellastheCashConnectcashadvance.FeatureavailableonlyforcardholderswithaUBSRMAorBusinessServicesAccountBSA®.

2 Theitemoritemsyoupurchasemustaddupto$100ormorebeforeredeeming.3WeareabletorebateATMfeesonlyincaseswherethetransactionfeesurchargeissubmittedtoUBSbytheATMoperatorand/ornetworkused.Intheeventyoudonotreceivearebateforafeeyoubelieveiseligible,pleasecall800-762-1000forassistance.

4Allbenefitsaresubjecttolimitations.PleaseseetheTermsandConditionsavailableatubs.com/creditcardformoredetail.5PointswillbeforfeitedifallUBScardsassociatedwiththesamecardaccountareclosedbyyouorus.Youwillhave60daystoredeemyourpointsbeforetheyareforfeited.

6Thereisa$25bookingfeeassociatedwiththesetworedemptionoptions.TicketsmustbebookedthroughUBSandchargedtoyourUBSVisaSignaturecreditcard.Onceyourpurchaseiscomplete,applicablerewardpointswillbedeductedfromyouraccountandacreditpostedtoyourcreditcardaccountfortheticketprice.

Pleasenote:AllreferencestotheResourceManagementAccountalsoapplytotheBusinessServicesAccountBSA.TheRMAandBusinessServicesAccountBSAarebrokerageaccounts.ResourceManagementAccount,RMAandBusinessServicesAccountBSAareregisteredservicemarksofUBSFinancialServicesInc.

VisaSignatureisaregisteredservicemarkofVisaInternational.TheUBSVisaSignaturecreditcardisissuedbyUBSBankUSApursuanttoalicensefromVisaU.S.A.Incorporated.Allothertrademarks,registeredtrademarks,servicemarksandregisteredservicemarksareoftheirrespectivecompanies.TheStarbuckslogoandtheStarbucksCarddesignaretrademarksorregisteredtrademarksofStarbucksU.S.BrandsCorporation.Starbucksisnotaparticipatingpartnerinorsponsorofthisoffer.UBSisnotaffiliatedwithTheHomeDepot®.TheHomeDepot®isaregisteredtrademarkofHomerTLC,Inc.TheHomeDepot®isnotasponsorofthispromotion.

©UBS2014.ThekeysymbolandUBSareamongtheregisteredandunregisteredtrademarksofUBS.Allrightsreserved.UBSFinancialServicesInc.isasubsidiaryofUBSAG.MemberFINRA/SIPC.

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