Participation conditions for the "Savings 2018" competition

Competition description: This competition is organized by UBS Switzerland AG, P.O. Box, CH-8098 Zurich (UBS) in association with Tamedia AG, Werdstrasse 21, CH-8004 Zurich (Tamedia). It comprises several phases: (1) Persons entitled to take part may submit a personal savings tip. Savings tips may be published. (2) A jury of representatives of UBS, 20 Minuten and FehrAdvice & Partners AG will select ten finalists from amongst the savings tips submitted for the competition. These ten savings tips will be published. (3) An online vote will be held to determine the three best savings tips from amongst the ten finalists. One prizewinner will be selected in a prize draw amongst all the participants in the online vote.

Participation:
Submission of savings tips: All natural persons domiciled in Switzerland who are aged 18 or over may take part in the campaign by submitting a savings tip, with the exception of employees of the UBS group and Tamedia. The deadline for the submission of savings tips is midnight CET on Sunday, February 18, 2018. If identical or very similar savings tips are submitted, only the first savings tip received will be entered in the competition. UBS reserves the right to edit the savings tips submitted.
Online vote: All natural persons domiciled in Switzerland who are aged 18 or older may take part in the online vote by voting for a savings tip, with the exception of employees of the UBS group and Tamedia. Each e-mail address will only be taken into account once in the vote. The deadline for the online vote is midnight CET on Sunday, March 11, 2018. Both the submission of a savings tip and participation in the online vote are free of charge and without obligation.

Prizes: The prizes consist of four UBS Investment Fund Accounts worth CHF 12,000 each. Each prize is paid out in twelve equal monthly installments of CHF 1,000, credited to a UBS Investment Fund Account with an investment instruction for a UBS Strategy Fund. This includes UBS Strategy Funds, UBS Xtra Funds and UBS Suisse Funds. The appropriate investment strategy will be determined during a personal consultation. If the prizewinner is already the holder of a UBS Investment Fund Account, the monthly installments can also be deposited into this account. All fees incurred in connection with the payment of the prize will be borne by UBS. This also applies to transfer fees in the event of the cancellation of a previous contractual relationship. Any taxes or other duties are entirely at the expense of the winner. Prizes are non-transferable and cannot be paid out in cash.

Determination of the prizewinners:
From amongst the authors of savings tips: A jury of representatives of UBS, 20 Minuten and FehrAdvice & Partners AG will select ten finalists from amongst the savings tips submitted by participants. These ten finalists will then go forward to the online vote. The three participants whose savings tips receive the most votes in the online vote will be named as prizewinners. The prizewinners are free to refuse their prize. If a prizewinner should refuse their prize, the prize will be awarded to the person out of the remaining finalists whose savings tip received the most votes during the online vote.
From amongst the participants in the online vote: One prizewinner from amongst all the participants in the online vote will be selected by the organizers by means of a prize draw. Each e-mail address will only be taken into account once in the prize draw. All prizewinners will be notified directly by telephone and/or by e-mail.

Additional participation conditions: The participants explicitly declare that they have full usage rights to the savings tips submitted by them, and that no third-party rights apply.

The participants agree that their personal data and savings tips may be made available to UBS for further unrestricted use, particularly for use on online channels (e.g. social media (Facebook), websites of UBS and 20 Minuten, 20 minutes and tio) and for the printed editions of 20 Minuten, 20 minutes and 20 minuti, in which the following personal data will be published: first name, surname, age and professional group. The participants agree that their personal data and savings tips may be used by UBS for its own marketing purposes, and in particular for product advertising, and acknowledge that they will receive information from UBS, even after the end of the competition. In particular, the participants agree that UBS may contact them by e-mail. None of the above-mentioned usages of data results in any claim to remuneration.

UBS reserves the right to exclude participants from the competition without having to state the reasons, in particular if there is the least suspicion of offensive content, misuse or rigging of the votes. No correspondence will be entered into regarding the competition. The organizers' decision is final. By taking part in the competition, the participants accept the participation conditions.

The provider of the operating system is neither a business partner nor a sponsor, and bears no responsibility for the competition prizes.