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^*Important information about the UBS Visa Signature credit 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: 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 Iowa and 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 U.S. dollars. This fee does not apply to residents of Iowa and Puerto Rico. Subject to credit approval. Information is accurate as of October 2021, and may have changed after that date. To learn what may have changed, please call800-762-1000.

^**Important information about the UBS Visa Infinite credit 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: $495. 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 Iowa and 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 2021, 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 within 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 U.S. dollars. This fee does not apply to residents of Puerto Rico. Subject to credit approval. Information is accurate as of October 2021, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

^††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 2021, and may have changed after that date. To learn what may have changed, please call 800-762-1000.

The UBS Visa Infinite Business card and UBS Visa Signature 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.

The phone number for 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 800-342-3736or dfs.ny.gov.

Benefits are subject to change and cancellation at any time. Certain conditions, limitations and exclusions apply.

¹If 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.

²To receive the 85,000 limited time bonus points offer, you must make $5,000 in eligible purchases on your UBS Visa Infinite Card or UBS Visa Infinite Business card within the first 3 months from card account approval. Your period to spend the total $5,000 may be shorter than 3 months, if there is a delay in receiving your card. Also, purchases may fall outside the 3-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped.) Eligible purchases do NOT include fees of any kind, including annual fee, interest charges, unauthorized or fraudulent charges, balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, or any checks that access your account. There is only one bonus awarded per card account, regardless of the number of cardholders on that card account. All cardholder spend counts towards the spend requirements. This offer cannot be combined with any other promotional acquisition offers. Must apply by December 31, 2021. If you receive and apply for this offer but do not satisfy the requirements, you will not receive any new account bonus. This promotional offer is only available for clients who have a UBS account at the time of credit card application. All applications subject to credit approval. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Points will be credited to your account as soon as your spend reaches $5,000 in posted transactions. Points can be redeemed at any time after they have been earned, as long as your card account stays open and in good standing.

³Eligible 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 $1 million. 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 Infinite credit card or UBS Visa Infinite Business 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.

⁴To receive the 35,000 limited time bonus points offer, you must make $5,000 in eligible purchases on your UBS Visa Signature Card or UBS Visa Signature Business card within the first 3 months from card account approval. Your period to spend the total $5,000 may be shorter than 3 months, if there is a delay in receiving your card. Also, purchases may fall outside the 3-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped.) Eligible purchases do NOT include fees of any kind, including annual fee, interest charges, unauthorized or fraudulent charges, balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, or any checks that access your account. There is only one bonus awarded per card account, regardless of the number of cardholders on that card account. All cardholder spend counts towards the spend requirements. This offer cannot be combined with any other promotional acquisition offers. Must apply by December 31, 2021. If you receive and apply for this offer but do not satisfy the requirements, you will not receive any new account bonus. This promotional offer is only available for clients who have a UBS account at the time of credit card application. All applications subject to credit approval. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Points will be credited to your account as soon as your spend reaches $5,000 in posted transactions. Points can be redeemed at any time after they have been earned, as long as your card account stays open and in good standing.

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.

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

2021-337983 (IS2102038; Exp 4/30/22)

© UBS 2021. The key symbol and UBS are among the registered and unregistered trademarks of UBS. VISA, VISA SIGNATURE, VISA SIGNATURE BUSINESS, VISA INFINITE 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.