*Important information about the UBS Visa Signature credit card: 18.99% variable APR for purchases, 25.99% variable APR for cash advances, 29.99% 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, 18.99% 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, 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 Transaction Fees: None. Subject to credit approval. Information is accurate as of December 2022, 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: 18.99% variable APR for purchases, 25.99% variable APR for cash advances, 29.99% 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, 18.99% 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, 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 Transaction Fees: None. Subject to credit approval. Information is accurate as of December 2022 and may have changed after that date. To learn what may have changed, please call 800-762-1000.

The UBS Visa Signature Business card is a business credit card 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 800-342-3736 or www.dfs.ny.gov

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

¹ This benefit is supplemental coverage for theft of, damage to or involuntary and accidental parting of your cell phone. Once all other applicable insurance has been exhausted, Cellular Telephone Protection will provide coverage up to $750 per claim, up to two (2) claims and $1,500 per twelve (12) month period. Please see complete terms and conditions for details.

Important information about brokerage and advisory services.
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 you understand the ways in which we conduct business, and that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.

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

© UBS 2022. The key symbol and UBS are among the registered and unregistered trademarks of UBS. VISA SIGNATURE and VISA SIGNATURE 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. UBS Financial Services Inc. and UBS Bank USA are subsidiaries of UBS Group AG. UBS Financial Services Inc. is a member of SIPC. Member FINRA. UBS Bank USA, Member FDIC, NMLS no. 947868.

IS2204298; Exp. 8/31/23