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Pay and save

Basic offering for individuals

The basis for independence

Those who want to enjoy their freedom need a bank that meets their requirements. Our pay and save basic offering has everything individuals aged 24 and older need for their daily banking business. This offer is available to you at an attractive all-inclusive price. Pay and save basic offering
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UBS payment services UBS gives you several simple and quick payment options. You can make payments via the Internet with UBS e-banking and at our branches using the UBS Multimat. For recurring payments, a UBS standing order or direct debit (LSV+) are suitable options. Save UBS Savings Account A UBS Savings Account in Swiss francs is the easiest way to fulfill both your small and big dreams in the near future. You get more interest on your savings and they are quickly available when you want to use them. www.ubs.com/accounts Go online UBS Online Services UBS e-banking is a simple, fast and practical way of executing your banking transactions regardless of bank opening hours. No matter if its account or asset information, credit cards, payments or stock market transactions, you stay up to date on your finances and spending at every hour of the day. The UBS Mobile Banking app allows you to maintain an overview even when you are on the move through notifications via text message or e-mail. www.ubs.com/online Retirement savings UBS Fisca Account The UBS Fisca Account is the basis for tax-advantaged retirement savings as part of pillar 3a. You decide independently the annual amount of your contributions to your UBS Fisca Account and when you want to make them. Only the legally determined maximum limits must be taken into account.2 In addition, you benefit from preferential interest. www.ubs.com/sca Benet UBS KeyClub The UBS KeyClub bonus program is our way of saying thank you for actively using our banking services. www.ubs.com/keyclub

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UBS Fisca Account

Retirement savings

Pay UBS Personal Account A UBS Personal Account in Swiss francs helps you to execute your banking transactions quickly and conveniently. Use it for incoming salary payments, paying your bills and cash withdrawals around the clock. www.ubs.com/accounts UBS Maestro Card With the UBS Maestro Card you can make cashless payments and withdraw cash in Swiss francs at any time at all ATMs in Switzerland. www.ubs.com/maestrocard UBS Credit Cards1 and UBS Prepaid Card Thanks to our two-card set, UBS Visa Card and UBS MasterCard, you can make secure and cashless payments with over 30 million partners around the globe. Would you like to keep track of your budget and spending at all times, even for Internet shopping? Then choose the UBS MasterCard Prepaid, the prepaid option. www.ubs.com/creditcards

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Subject to fulfillment of issuing criteria and acceptance of card application. Maximum amount 2013 for employed persons with a pension fund: 6,739 Swiss francs; for employed persons without a pension fund: 20% of the net earned income up to a maximum amount of 33,408 Swiss francs.

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Collect points and reap rewards with UBS KeyClub

With our pay and save basic offering you become a member of the bonus program UBS KeyClub. You collect valuable points and can take advantage of numerous special offers and discounts. This means you get more and spend less. How UBS KeyClub works UBS KeyClub is our bonus program that rewards you for making active use of our banking services. By using specific products of your pay and save basic offering (see Collecting points at a glance) you collect points, which you can redeem just like cash for special offers and the entire range of our KeyClub partners either with the partner in the form of paper checks or online as electronic points in the UBS KeyClub eStore. The points you collect are sent to you quarterly in the form of paper checks or credited to your KeyClub eStore account. www.ubs.com/keyclub KeyClub eStore Electronic points and the UBS KeyClub eStore, the online platform of UBS KeyClub and its many partners, make it even easier for you to manage and redeem your KeyClub points. Register via UBS e-banking and benefit from the new additional offers. www.ubs.com/keyclubestore Collecting points at a glance The point collection model is simple and easy to understand and is regularly supplemented by promotions allowing you to collect additional points. Collection rules Incoming payment to the UBS Personal Account Spending on your UBS Credit Card/ UBS Prepaid Card Payment into the UBS Fisca Account (restricted retirement savings account 3a) 5 points per quarter for a minimum of CHF 4,000 credited each month Classic/Standard/Special Edition 3 points, Gold 6 points, Platinum 9 points per CHF 1,000 20 points from CHF 6,000 10 points from CHF 3,000 to 5,999 (per account)

Useful information One point equals one Swiss franc. You can make a payment towards an offer using KeyClub points and pay for any outstanding amount directly or in the KeyClub eStore with your UBS Prepaid Card or UBS Credit Card. This lets you collect more points and thus benefit even more. Choose how you want to receive your KeyClub points, either as a paper check or electronically as ePoints. Would you like to find out more? For more information, our free hotline 0800 810 600 is available Monday through Friday, 8:00 until 17:00.

A selection of our partners where points can be redeemed Additional partners can be found at www.ubs.com/keyclub

The pay and save basic offering for Individuals

Products and services Products and services included UBS Personal Account in CHF1included UBS Savings Account in CHF1 (more than one possible) UBS Fisca Account (more than one possible) UBS Maestro Card (owner card)
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UBS Credit Cards (Classic/Standard/Special Edition, incl. second card) and/or UBS Prepaid Card included UBS Online Servicesincluded UBS e-banking (incl. account and card information, payments, stock market trading, financial market data  and analyses, e-bills and e-documents) UBS Mobile Services (UBS Mobile Banking app, e-mail/text message notifications, text message queries)  Cash withdrawals in CHF within Switzerlandincluded (with UBS Maestro Card at all ATMs and UBS Bancomats) Payments in CHF within Switzerland (with UBS e-banking, UBS Multimat, UBS standing order, UBS easy and LSV+ [direct debits]) included

Participation in the UBS KeyClub bonus programincluded Conditions at a glance Who can benet For clients aged 24 and older Attractive conditions  CHF 10 per month from total assets in excess of CHF 10,0002 or with building financing and/or a mortgage from UBS or CHF 15 per month, if you use UBS e-banking via the Internet to switch to e-documents Otherwise CHF 20 per month Payments can also be made using UBS KeyClub points Free of charge for the first year for new clients or for existing UBS clients without a UBS Maestro Card Other available options for UBS Credit Cards UBS Gold Card: additional charge of CHF 8 per month3 UBS Platinum Card: additional charge of CHF 30 per month3 Please refer to the brochure Basic offerings and individual products relating to payments and savings: Services and prices for additional price information.

These products must be taken up at least once. In particular, the credit cards and/or the prepaid card are required components of the Basic Offering. Total assets include all account and custody account balances held by the client at UBS (excluding UBS vested benefits/custody accounts and Credit Card/Prepaid Card accounts). To ensure that clients benefit from the lower offering price, their total assets must amount to at least CHF 10,000 for the entire preceding month. 3 No additional charge in the first year for new clients or existing UBS clients without a UBS Maestro Card.
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Get support for everything that matters

The pay and save basic offering includes our most important products and services for individuals. But our service begins much earlier: with personal advice. Tell us about your needs and plans. That will enable us to adjust our services to your circumstances. We will show you possible ways of financing your own home and the various options for securely providing for your retirement. We will also be pleased to explain to you how you can invest your assets according to your ideas and preferences, so that you can enjoy the freedom of your life. Key points For clients aged 24 and older Free for new clients for the first year Pay and save basic offering at an attractive all-inclusive price with personal, savings and Fisca accounts, UBS Maestro Card, UBS Credit Cards and/or UBS Prepaid Card UBS Online Services with UBS e-banking and UBS Mobile Services Participation in the UBS KeyClub bonus program in which you can collect valuable points and benefit from numerous discounts and special offers Customized advice for all your questions and concerns regarding everything to do with owning your own home, retirement, security, and accumulating assets For all your questions We willl be delighted to advise you at one of our branches, by phone via the UBS Service Line Private Clients on 0848 848 054 or on the Internet at www.ubs.com/individual

UBS AG P.O. Box, 8098 Zurich UBS Service Line Private Clients 0848 848 054 www.ubs.com/lifecycle

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This publication is intended for information purposes only. Please note that UBS reserves the right to alter its services, products and prices at any time without prior notice. Certain products and services are subject to legal restrictions and cannot be offered worldwide on an unrestricted basis.

Published in English, German, French and Italian. Printed in Switzerland in March 2013. 83505E UBS 2013. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved.