UBS TWINT 38.1.2

UBS TWINT is Switzerland's leading mobile payment app, known for its popularity and widespread use. With over one million users, TWINT has become the country's favored payment service, offering a convenient and secure way to make digital payments and transfer money to friends and family. Say goodbye to the hassle of carrying coins for parking, as TWINT allows you to make cashless payments for parking fees. Additionally, you can use the app to pay for your purchases at Coop and Migros, two of Switzerland's major retailers.

Here are some key features of TWINT:

• Send, receive, and request money: With just a few taps on your smartphone, you can quickly and securely send, request, and receive money from your contacts.
• Pay in the online store: Save time when shopping online by scanning the QR code at checkout or switching to the TWINT app for a seamless payment experience.
• KeyClub points: Earn valuable points when using an UBS credit card linked to your TWINT account.
• Coupons & Credits: Purchase digital coupons and credits effortlessly, either for yourself or as a thoughtful gift.
• Pay parking fees: Pay for public parking spaces using TWINT's location detection feature or by scanning the QR code on the parking meter.
• Pay in Apps: Enjoy cashless transactions by using TWINT as a secure payment method within popular apps such as SBB, Fairtiq, and Lezzgo.
• Pay cashless at the cashier: Make convenient payments with your smartphone at various establishments using QR codes on card terminals or by utilizing TWINT Beacon.
• Donations: Support Swiss aid organizations and their projects by easily making charitable donations through TWINT.
• Profit: Take advantage of various discounts, competitions, vouchers, and loyalty cards available exclusively to TWINT users.

When it comes to security, UBS TWINT ensures strict adherence to Swiss banking standards. All user data remains protected within Switzerland and can only be accessed through a secure 6-digit PIN or fingerprint verification. In case of any concerns, users have the ability to block their UBS TWINT account at any time.

Please note that the UBS TWINT App is intended for existing clients of UBS Switzerland AG and existing clients of other non-US subsidiaries of UBS Group AG domiciled in Switzerland. It is also available for natural persons domiciled in Switzerland. It should be understood that the availability of the app on non-Swiss App Stores is not an invitation, offer, or recommendation to engage in any financial transaction. Furthermore, the app is not intended for use by individuals domiciled in Australia or the United States.

For further information, please visit www.ubs.com/twint.