Message From: UBS Financial Services Inc. [elert@ubs.com] Sent: 7/15/2015 8:02:37 AM To: gmax1@ellmax.com Subject: You will receive a new UBS Visa debit chip card by August 3, 2015 . . You will receive a new UBS Visa debit chip card by August 3, 2015 To help make purchasing easier and more secure at chip-compatible terminals, you will soon receive a new UBS Visa debit chip card. This new card helps protect you at chip-compatible terminals, which are becoming the standard around the globe. What is Changing * A debit card with chip technology will be sent to all cardholders on your account and will arrive by August 3, 2015. * You will receive an email when the card is mailed * Chip compatible terminals will require the card to be inserted instead of swiped. * Atchip compatible terminals, a PIN number may be required for transactions. If you currently have a PIN, it will work on your new card. * Effective August 1, 2015, UBS will deduct funds from your account daily to pay for your purchase and ATM transactions What you need to do * Once you receive the new chip debit card, please activate it immediately and begin using it. If you do not know your PIN number, set one when you activate your card * Note your current UBS magnetic stripe debit card will stop working on September 25, 2015. It is imperative that you activate your new chip debit card immediately upon receipt * If you have not received a new UBS card by Monday, August 3, 2015, please contact the service group at 800-762-1000. Outside the U.S., call 201-352-5257; we accept all collect calls. Questions Call 800-762-1000 if you have any questions about your account or card Outside the U.S., call 201-352-5257; we accept all collect calls. Representatives are available to assist you 24 hours a day, 7 days a week. We appreciate your business with UBS and look forward to continuing to serve your wealth management needs. If you have questions related to your other UBS accounts, please contact your Financial Advisor Please do not reply directly to this message. If you need assistance, please contact us at the phone number listed above Disclosure VISA is a registered trademark owned by Visa International Service Association and used under license. UBS Visa debit cards are issued by UBS Bank USA with permission from Visa U.S.A. Incorporated. ©2015 UBS Bank USA. All rights reserved. Member FDIC. The key symbol and UBS are among the registered and unregistered trademarks of UBS CONFIDENTIAL Notice Why this is important Your UBS Visa debit card without a chip on the front will stop working on September 25, 2015 If you have not received your new card, please call us at 800-762-1000. UBSTERRAMAR0O0001027 EFTA00236694

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UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA Member FDIC. CONFIDENTIAL UBSTERRAMARO0001028 EFTA00236695