UBS Online Services - Wealth Management USA

1 UBS Online Services User Agreement December 2021. UBS Online Services User Agreement 3. Changes to this Agreement Revised December 2021 You agree that UBS may change the terms of this Agreement, or introduce other terms and conditions, 1. Acceptance of Terms disclaimers, disclosures and consents (collectively, the This User Agreement (this "Agreement") applies to UBS "Revised Terms") at any time. The Revised Terms will be Online Services , as well as any other affiliated or linked posted Online and will be effective upon posting. If you sites, Services or applications (whether Online , digital or do not agree with the Revised Terms, you must mobile) offered as part of UBS Online Services and immediately notify UBS in writing or by telephone of your governs your use of UBS Online Services .

2 By completing refusal and discontinue your use of UBS Online Services . the registration process and/or accessing or using UBS You agree that your continued use of UBS Online Services Online Services , you represent and warrant that you are thereafter will constitute your final and irrevocable 18 years of age or older and hereby accept and agree to acceptance of the Revised Terms and your agreement to be legally bound by the User Agreement then in effect be bound by this Agreement, as amended. and to comply with the terms and conditions set forth in 4. License to use UBS Online Services and the User Agreement. provision of the Services This Agreement constitutes a legally binding agreement a. UBS has developed UBS Online Services for the purpose between you and UBS, and governs your access and use of making available certain Services as described in of UBS Online Services , which includes any text, graphics, Section 5 below (the " Services ") to clients who hold user interface, visual interfaces, information, data, tools, accounts at UBS Financial Services Inc.

3 ( Clients ) and functionalities, products, risk statistics, portfolios, eligible prospective clients. collectively, "Users" or "you". illustrations, recommendations, hypotheticals, scenario analysis, Services , Materials and other information or in this Agreement and throughout the Content. material available or accessible on or through UBS Online b. By accepting this Agreement: Services (together, "Content"). (i) you agree and accept that UBS may at any time, with If you do not agree to the terms of this Agreement, you or without notice, and in its absolute discretion, restrict or will not be permitted to use UBS Online Services . terminate your use and access to UBS Online Services and/or any Service, or to set, add, amend, increase, As used in this Agreement, "UBS", "we" or "us" refer decrease, change or remove limits, parameters and/or to UBS Financial Services Inc.

4 And its affiliates and/or any controls (collectively, "Limits") over the Services , other entity controlled by or under common control with including with respect to your ability to use the Services ;. UBS Group AG. and 2. Other Terms and Agreements (ii) you accept all of the terms of this Agreement, a. Use of certain Services , functionalities, applications and/or regardless of any Limits that may be in place which affiliated or linked sites included within UBS Online Services restricts your ability to access or use all of the Services . may be subject to additional terms and conditions specific to those Services or functionalities (the "Functionality Specific c. UBS hereby grants to Users a non-exclusive, non-sub- Terms"). With respect to any specific service or functionality, licensable, non-transferable, revocable license to access if there are any inconsistencies between the respective and use UBS Online Services and the Content for your Functionality Specific Terms and this Agreement, the personal, non-commercial use only in connection with the Functionality Specific Terms shall prevail.

5 Services and not for any other purpose, subject to the terms and conditions of this Agreement. b. Furthermore, this Agreement is in addition to (and does not replace or modify) any other agreements you For the avoidance of doubt, UBS Online Services , the may have entered into with UBS (the "Other Services and the Content are not directed at or intended Agreements") and/or any Functionality Specific Terms. for use by any person resident or located in any You shall be deemed to accept and agree to be legally jurisdiction where (i) the offering or distribution of such bound by the Other Agreements and the relevant Service or Content is contrary to the laws of such Functionality Specific Terms (as the case may be) then in jurisdiction; or (ii) such offering or distribution is effect and to comply with the terms and conditions set prohibited without obtaining the necessary licenses or forth therein by your use and/or access to UBS Online authorizations by UBS and such licenses or authorizations Services .

6 Have not been obtained. 2. 5. Overview of the Services (xiii) UBS Wealth Management USA app to allow you to have access to UBS Online Services via designated mobile, a. UBS Online Services offers several Services , such as: tablet and/or other digital platforms from time to time;. (i) electronic delivery of account information (account (xiv) account aggregation Services to allow third party value, holdings, securities transactions, cash transactions Services to access your account information from UBS. and distributions received) and documents relating to Online Services ;. your accounts;. (xv) OFX service for downloads of account information to (ii) Online account alerts for messages relating to your financial software;. accounts, holdings and research quotes, news, research and investment planning tools such as portfolio tracker, (xvi) technical support Services ; and e-lerts and live webcasts.

7 (xvii) any other Services as UBS may offer in its absolute (iii) Online bill payment, electronic funds transfers; discretion from time to time. (iv) UBS Visa Signature card program Services , including NOTE: Certain products, functionalities and Services the ability to (1) view real-time credit and debit card described in this Section are not available to all Users or in transaction authorizations, (2) schedule one-time all jurisdictions. Commercially reasonable efforts will be and recurring payments, and (3) view and redeem used to provide the products, functionalities and Services rewards points; that we make available to you. (v) UBS Advice Advantage, a digital broker-dealer service b. The nature and/or functionality of UBS Online Services that features UBS analytics, including portfolio diagnostics and/or the Services may be added to, amended or on your investments at UBS and held away, and may withdrawn and new elements may be introduced by UBS.

8 Include the ability to create goals (as described in in its absolute discretion from time to time (each a Section 9 below); "Change"). UBS may, in its absolute discretion, but will not be obliged to notify you of any Change. Following (vi) UBS Advice Portfolio Program, a wrap-fee, investment any Change, your continued use of UBS Online Services advisory program that offers investment advice, custody, and the Services will be deemed to constitute acceptance trading/execution and performance reporting for an of such Change. In any case, you will not be entitled to asset-based fee (as described in Section 10 below);. continue to access or receive any Service which has been (vii) My Total Picture, a data aggregation service to withdrawn by UBS.

9 Retrieve and view information regarding, as applicable, c. UBS may at any time and without giving any notice your UBS accounts (your "UBS Accounts") and non-UBS. suspend the provision of all or any part of UBS Online accounts (your "Outside Accounts");. Services and/or the Services in whole or in part with (viii) instant account verification and challenge deposit immediate effect, including without limitation in the verification through My Total Picture to verify your event of any legal or regulatory requirement, planned or authority with respect to Outside Accounts by confirming unplanned maintenance and upgrading of UBS Online your ability to access such accounts and to link your Services , the Services or related infrastructure, any breach Outside Accounts to your eligible UBS Account, including of this Agreement by any User and/or action by a User UBS Accounts you open in the future.

10 Which is prejudicial or potentially prejudicial to UBS Online Services , the Services , UBS, its service providers or other (ix) Financial Tools, a service which provides tools and widgets to assist in your personal finance Management ;. 6. Third Party Service Providers (x) My Plan, which includes a portal that may allow you to have "view-only" access to all or a portion of the UBS may enter into agreements with third party service Financial Goal Analysis (FGA) that has been prepared for providers to provide certain Services , functionalities, you; applications, Content and/or affiliated or linked sites included within UBS Online Services (the "Third Party (xi) UBS Research (as described in Section 15 below);. Service Providers") available to you.