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The UBS Visa Infinite Business card, UBS Visa Signature Business card and UBS Cash Rewards Visa Business card are business credit cards that must be issued to an individual or an individual with a business entity as a co-applicant As such, eligibility and the credit limit on the card is determined based on the personal creditworthiness and repayment ability of that individual. (If there is a business applicant it is also based on the business creditworthiness and repayment ability of the business.) Once the card is approved, repayment of all legitimate charges made on the card is likewise the obligation of that individual and any business co-applicant, if applicable.

*Important information about the UBS Visa Infinite Business card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: $550. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater, applies. For residents of Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: Waived. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

**Important information about the UBS Visa Signature Business card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers with in 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: None. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater. For residents of Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: 3% of each transaction in US dollars. This fee does not apply to residents of Puerto Rico. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

***Important information about the UBS Cash Rewards Visa Business card: 15.24% variable APR for purchases, 22.24% variable APR for cash advances, 29.24% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 15.24% variable APR. APRs vary with the market based on the prime rate. Annual fee: $150. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater. For residents of Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: waived. This fee does not apply to residents of Puerto Rico. Subject to credit approval. Information is accurate as of October 2020, and may have changed after that date. To learn what may have changed, please call 833-709-1790.

UBS Bank USA is 800-762-1000. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods at 800-342-3736 or dfs.ny.gov.

¹ Benefits are subject to change and cancellation at any time. Certain conditions, limitations and exclusions apply. For more information on benefits, see ubs.com/mycardbenefits.

² Priority Pass TM Select offers access to over 1,200 participating airport lounges worldwide. Membership is required to access participating lounges. To request your complimentary membership card, visit ubs.com/prioritypassselect.

³ Eligible accounts must have cumulative spending of $25,000 or greater during either the current calendar year-to-date or the prior calendar year. The spend requirement will be waived if your assets held at UBS exceed $1million. Credits must be requested and will be no greater than the amount of the dining charges (up to 2 per year) and the airport lounge membership fees charged to your UBS Visa credit card account, up to $500 per calendar year. You may claim up to $500 in credit(s) for each calendar year in which you qualify for the benefit. If you claim more than $500 in credits in a calendar year, the credits issued will be capped at $500 for that year. If you do not claim the maximum eligible credit in a year, the unclaimed portion will not carry over into subsequent years. You must claim the credits for the same calendar year in which the applicable purchase transactions posted to your card account. A credit must be claimed within 60 days of the transaction date.

⁴ You must enroll in this benefit on UBS Online Services and select one of the eligible domestic US carriers. The selected airline applies to all cards in the card account. Qualifying Airline Purchases must be charged to a UBS Visa Infinite Business credit card and may vary by airline. UBS and Visa rely on airlines to submit the correct information for these transactions. UBS Visa Infinite Business cardholders without a Business Services Account BSA can enroll in this benefit or by calling us at 888-762-1232 or call 201-352-5257 when outside the US.

⁵ UBS Visa Infinite Business cardholders are entitled to either one $100 statement credit per card every four years in connection with the Global Entry program application fee; or one $85 statement credit per card every four years in connection with the TSA PreCheck ^TM program application fee. The $100 or $85 statement credit will be processed after the application fee is charged to a valid UBS Visa Infinite Business card. Global Entry is a U.S. Government program, operated by US Customs and Border Protection (CBP). TSA PreCheck ^TM is a US Government program, operated by Department of Homeland Security (DHS). UBS and Visa have no control over the program including, but not limited to, application, approval process or enrollment fees charged by CBP/DHS, and no liability with regard to the Global Entry or TSA PreCheck ^TM program. For complete details on the Global Entry program, including full terms and conditions, go to cbp.gov/global-entry/about. For complete details on the TSA PreCheck ^TM program, including full terms and conditions, go to tsa.gov/precheck.

⁶ Benefits vary by property. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Infinite Luxury Hotel Collection website or through UBS Concierge for benefits to apply. Some properties may require a minimum night stay or require booking certain room categories to receive the additional complimentary benefit. Please consult terms and conditions for each property.

⁷ The Car Rental Privileges benefits are subject to each car rental company’s terms and conditions, which are subject to change.

⁸ Extra points are based on the merchant category code defined by Visa and agreed to by the merchant. Air travel and hotel bookings through online sites other than the airlines’ and hotels’ own sites may not qualify. Merchant categories for small business extra points include office supplies, business cable/internet, shipping, business phone and advertising, as established by Visa. Purchases at superstores and warehouse clubs do not qualify for extra points. Annual extra points caps are based on account anniversary date. Earn 2 points for eligible business expenses up to first $200,000 in purchases per year.

⁹ The item or items you purchase must add up to $100 or more before redeeming.

¹⁰ Subject to availability.

¹¹ If you voluntarily close your card, or if UBS Bank USA closes your card due to inactivity, you will be allowed 60 days following the effective date of termination of the UBS Account or Cards to redeem outstanding points for gift cards or merchandise. In the event UBS Bank USA closes your Card for any reason other than inactivity, your points will be immediately forfeited.

¹² Cardholders are responsible for the cost of any goods or services purchased through the UBS Concierge.

¹³ There must be sufficient funds to repay the cash advance that night or you will incur applicable cash advance fees and interest charges. The automatic transfers used to pay off your CashConnect cash advances will reduce the available funds in your UBS Business Services Account BSA that is linked to your UBS credit card and as a result could affect other transactions dependent on cash, such as fee payments, investment purchases, online bill pay, debit card usage and outstanding checks. Please make sure that you have sufficient available funds in your UBS account linked to your UBS credit card to cover these items, as well as the CashConnect cash advance. The CashConnect feature is available only for cardholders who have the UBS credit card connected to a UBS Business Services Account BSA.

¹⁴ We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to UBS by the ATM operator and/or network used. In the event that you do not receive a rebate for a fee that you believe is eligible, please call 800-762-1000 or from outside the U.S. call 201-352-5257 for assistance. ATM rebates are only available for cardholders who have the UBS credit card linked to a Business Services Account BSA. We do not reimburse international ATM fees.

¹⁵ Cardholder must take care in protecting their card and notify UBS Bank USA immediately of any unauthorized use. Conditions may apply. Please see your cardmember agreement for details.

¹⁶ Visa SavingsEdge is a discount program offered by Visa U.S.A. Inc. to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system (a “Qualifying Purchase”). Visa may modify, restrict, limit or change the program in any way and at any time. Visa reserves the right at any time to cancel the program. Visa also reserves the right to suspend or cancel any cardholder’s participation in the program. Enrolled cardholders will only receive discounts for qualifying purchases that are in full compliance with the terms of the applicable discount offer. Discount offers may be subject to additional terms and conditions. Discount offers may be removed from the program at any time and are subject to availability. Discount offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales. Discounts will not appear on a cardholder’s receipt at the point of sale. Discounts are provided in the form of credits posted to the cardholder’s applicable Visa Business card account. Please visit www.visasavingsedge.com for complete details on the program, including the program terms and conditions.

¹⁷ For detailed annual account fee information including annual fee waiver eligibility, please refer to the Fees and Charges section of the Agreements and Disclosures booklet located at  ubs.com/disclosuredocuments or contact your Financial Advisor.

¹⁸ Run custom reports only available on desktop platform.

¹⁹ Benefits vary by property. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through UBS Concierge for benefits to apply. Some properties may require a minimum night stay or require booking certain room categories to receive the additional complimentary benefit. Please consult terms and conditions for each property.

UBS Bank USA is a subsidiary of UBS AG. UBS Bank USA, Member FDIC, NMLS no. 947868. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. A small number of our financial advisors are not permitted to offer advisory services to you, and can only work with you directly as UBS broker-dealer representatives. Your financial advisor will let you know if this is the case and, if you desire advisory services, will be happy to refer you to another financial advisor who can help you. Our agreements and disclosures will inform you about whether we and our financial advisors are acting in our capacity as an investment adviser or broker-dealer. For more information please review the PDF document at ubs.com/relationshipsummary.

The UBS Business Services Account BSA is a brokerage account. The UBS Business Services Account BSA is a registered service mark of UBS Financial Services Inc.

UBS Visa Infinite Business cards, UBS Visa Signature Business cards and UBS Cash Rewards Visa Business cards are issued by UBS Bank USA with permission from Visa U.S.A. Inc.

© UBS 2020. The key symbol and UBS are among the registered and unregistered trademarks of UBS. VISA, VISA SIGNATURE BUSINESS and VISA INFINITE BUSINESS are trademarks and registered trademarks of Visa International Service Association and used under license. All other trademarks are the property of their respective owners. All rights reserved.

2020-309737 (IS2006440, EXP 10/31/21)