frankly. Pillar 3a. 與 Migros – shop & save 使用情況與統計

Pillar 3a made easy. With frankly, the digital pension solution – developed by Zürcher Kantonalbank. You can open your pillar 3a account quickly and conveniently without visiting the bank either via the app or via your computer or tablet. You can now also select a cash strategy with no price risk. frankly, the new retirement planning app from the Savings 3 Pension Foundation of Zürcher Kantonalbank, is aimed exclusively at Swiss residents. Download the pillar 3a app free of charge now and get started. . The frankly advantages: It only takes a few minutes to open an account All you need is a smartphone and an ID card, and you’re ready to start. Of course, we’ll help you every step of the way. By the way, it’s also easy to use frankly via your computer or tablet. Clear & simple – fully digital We are completely rethinking the pillar 3a, which is why you can carry out your 3a retirement planning directly in the frankly app and check your account performance at any time. Deposit as little as CHF 1 You decide yourself how much you want to deposit. There is no minimum deposit and no minimum term. You save taxes With every franc you pay into your pillar 3a retirement savings plan, you reduce your taxable income (up to the maximum amount) and therefore save on taxes! This means you benefit twice over. Investment products selected by you The ultimate goal is to build up your assets. You decide with your strategy how much risk you want to take. No matter whether you want to save in cash with no price risk or invest in securities while taking advantage of potential returns, there's something for everyone. Easy to switch Do you already have a pillar 3a solution? We offer you an easy, free transfer service. We pay your transaction fees and account closing costs (applies to the transfer of pillar 3a accounts from bank foundations). frankly is cost-effective frankly also doesn’t charge any all-in fee (the current all-in-fee is 0.45%) on your account assets. With frankly, you can expect no securities custody fees and no flat-rate administrative fees for the investment product; they are included in the current all-in-fee of 0.45%. Saving securities with frankly is half the price of comparable offers. Please note that issue and redemption charges apply in favour of the fund for the indexed investment products in particular and these are not included in the all-in fee (current all-in-fee is 0.45%). You can find an exact definition of the all-in fee in the FAQs. Our community discount The greater the number of customers who use frankly, the cheaper the all-in fee of currently 0.45% becomes for everyone. frankly will become even cheaper with more users. Planning your private pension like this is fun. Security and experience frankly was developed by Zürcher Kantonalbank for its pension foundation. Further information on the pillar 3a app, including pension calculator: www.frankly.ch By the way, the frankly web version is now also available with the new frankly vested benefits product. Visit www.my.frankly.ch. Sparen 3 pension foundation of Zürcher Kantonalbank Bahnhofstrasse 9 8001 Zürich Zürcher Kantonalbank Vested Benefits Foundation Bahnhofstrasse 9 8001 Zurich

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Migros – shop & save

The digital shopping assistant gives you all the advantages of Migros in the palm of your hand at all times, wherever you are. Find out about the latest special offers and new products at your local Migros store from the comfort of your home and let yourself be inspired by thousands of recipes. Simply order online and have your purchase delivered to your door. Or shop with subitoGo in-store – no waiting at the checkout. The shopping list allows you to plan your shopping on the go. Instore or online: redeem your Cumulus coupons and vouchers, earn points with your Cumulus Card and collect digital stamps. It’s all on the Migros app. Download it today and benefit immediately! • Special offers, new products and the regular product range Now you’ll never miss unbeatable special offers or attractive new products. That’s because push notifications always keep you up to date with the latest offers. The Migros app also informs you about which products are currently available at which Migros store. • Shop online You can complete your entire shopping online via the “Order” tab. Simply place the desired products in the shopping cart, choose your delivery date - done. We deliver your purchase on time to your home or to the address of your choice. • Shopping lists Is there something missing in your fridge or cupboard? Your shopping list knows the answer. It simplifies your shopping planning and is intuitive to use. Especially practical: Lists can be shared with family, friends and colleagues and worked on together. • Recipes Be inspired by thousands of Migusto recipes for your shopping planning, save your favourite recipes in the app and add ingredients directly to your shopping list. • The Cumulus card Earn points, save money and enjoy experiences. The Migros app allows you to present your Cumulus card in digital form – either on the app or via the widget. Cumulus points are automatically credited to your account. The current balance can be viewed in the Migros app at any time. • Coupons and digital Cumulus vouchers Put an end to all those bits of paper in your wallet! That’s because all of the coupons and Cumulus vouchers are available digitally in the Migros app and are thus ready to use whenever you go shopping. Simply activate in advance and benefit automatically at the checkout or when you order online. • Collect stamps and get premiums New stamp cards are constantly being added to the Wallet section in the Migros app. This way, you can automatically collect stamps when you buy the respective products and exchange them later for exciting rewards. • subitoGo Scan, pay, done. With subitoGo, you can do your shopping directly from your mobile phone. Simply scan your products, pay using the app and leave the store - without having to wait in line. • Digital receipts What did you buy when? Get an overview! The Migros app saves all of your till receipts from recent months. This means that time-consuming filing is no longer necessary. • Competitions and campaigns You simply can’t lose with the Migros app, because you’ll never miss a competition or promotion ever again! Secure yourself great prizes, like gift cards, new products to test, trips and much more. Simply take part via the app and with a bit of luck, you could be one of the winners!