BEKB TWINT vs UBS & UBS key4 Usage & Stats

Turn your smartphone into a wallet by downloading the BEKB TWINT app to your mobile device. You can then make cashless payments or transfer money from smartphone to smartphone. How you benefit • Make cashless payments with your smartphone in store or online • Transfer money from smartphone to smartphone and split amounts between several people (for a joint gift, for example) • Keep full control of your spending thanks to the overview function • Benefit from attractive and unique special shopping deals • There are no transaction fees for using BEKB TWINT. To start using the BEKB TWINT app you need • A BEKB payment account • Your smartphone • A valid BEKB e-Banking agreement (in the TWINT user's name) • The BEKB TWINT app • The BEKB app • A Swiss mobile phone number If you have all these, it only takes a few steps to set up the BEKB TWINT app and you're ready to go. You can find instructions and further information at: https://www.bekb.ch/services/mobile-services/twint

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UBS & UBS key4

This is the UBS Mobile Banking App for all our UBS clients (excl. the United States and Australia) who can benefit from these digital services. Please note, that the available functionalities of our app may vary depending on your domicile. If you live in Switzerland, you can open our digital product line UBS key4 directly via app: • UBS key4 banking for your private banking • UBS key4 business for the founding of an SA or SARL Do you meet the requirements to use our Mobile Banking App? • Smartphone with at least Android version 9.0, when opening an account with UBS key4 at least Android version 10.0 • You are client of a UBS Group company and benefit from UBS’s corresponding digital services. How secure is our Mobile Banking App? In short, UBS Mobile Banking provides state-of-the-art security. How? Our security concept protects you fourfold. We uniquely identify you with the Access App or Access Card. By defining security settings and activating real-time notifications, you can increase security even more. Furthermore, we use artificial intelligence to check certain transactions for irregularities. And we help you use the internet safely – see our security recommendations on ubs.com/security. Further information: UBS Switzerland AG and other non-US subsidiaries of UBS Group AG have made the UBS & UBS key4 Mobile Banking App ("App") available exclusively to existing clients that benefit from these services with the exception of US and Australian clients. The fact that the App can be downloaded from the US or Australia and/or any other country’s App Store does not constitute a solicitation, offer or recommendation to enter into a transaction, nor is it to be understood as a solicitation or offer for a client relationship between the person downloading the App and UBS Switzerland AG or other non-US subsidiaries of UBS Group AG.