| authorize UBS Financial Services inc. and its processing institution (the "Processing Bank") to initiate the types of transactions indicated above (inctuding adjustments for any entries made in error) to or from my account(s) listed above, and authorize the depository(ies) named on my authorized External Account(s) or UBS Financial Service inc, to debit and/or credit the requested transactions to my accounts. | authorize UBS Financial Services Inc. and the Processing Bank to make changes and/or cancellations to transactions requested by me. | further acknowledge that electronic funds transfers under this authorization may be processed as automated clearing house (ACH) debit and credit entries. | understand when | authorize a withdrawal from an authorized external account to pay my UBS credit card, UBS Financial Services will initiate an electronic funds transfer from my authorized external account and make a bill payment to UBS Bank USA. | understand these instructions will remain in effect until UBS Financial Services, inc. has received written notification from me of termination or modification in such time and manner as to afford UBS Financial Services, Inc. a reasonable opportunity to act on it. If | close or change any account listed above, | will promptly notify UBS Financial Services Inc. of this change. | authorize UBS Financial Services inc. at its discretion to discontinue the electronic funds transfer and bill payment service from any accounts listed above if | fail to maintain adequate funds in such accountis) to cover my requested transfers or payments. All electronic funds transfers will be initiated in accordance with this authorization and the terms and conditions governing my Account. | acknowledge that the initiation of electronic funds transfers must comply with applicable U.S. law. Date Account Holder Signature Date AC-FT (Rev. 09/16) ©2016 UBS Financial Services Inc. All rights reserved. Member SIPC. Page CONFIDENTIAL UBSTERRAMAR0O0003154 EFTA00238542