The UBS Client Experience Focused on you and your needs

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1 ab The UBS Client Experience Focused on you and your needs

2 At UBS, we offer a customized approach to wealth management, built on a personal relationship and shaped by an understanding of your needs and aspirations. To help manage your wealth, we harness the advisory and investment capabilities of the world s largest wealth management firm on your behalf. Current and future assets can be analyzed, liabilities weighed and estate planning strategies implemented. Then, we offer periodic reviews to determine if your investment strategy remains in line with your goals and proactively propose and implement solutions. It all begins with a relationship a relationship we call You & Us. The UBS Client Experience provides the framework to help us consistently deliver the services you want to support your financial decisions. Wealth management is more than just the wide range of financial services and solutions you can access at UBS it is how those services and solutions are developed and delivered to help you pursue your needs and goals.

3 You have objectives. Our Financial Advisors can help you pursue them. Listening to our clients needs Understand, Propose, Agree & Implement, and Review Our structured approach is based on findings from discussions with our clients, our Financial Advisors, and extensive market studies. We discovered there are clear expectations: You would like us to listen to you, which is why we take time to understand you and your situation You expect approaches that suit your needs and objectives, which is why we propose customized solutions You want to be comfortable with your decisions, which is why after you agree, we leverage our global resources to implement your strategies You want to know how you are doing, which is why we periodically review your financial situation to discuss where you are and where you want to be keeps me informed on a periodic basis and can recommend changes as appropriate. listens to me and takes time to understand my needs and objectives. To effectively deliver the UBS Client Experience, we focus on you. This is the strength behind our approach. helps me to select the most suitable solution and informs me about its implementation. proposes investment and financing opportunities designed to meet my individual needs. 1

4 You have personal objectives. We listen and take the time to understand your situation and concerns. listens to me and takes time to understand my needs and objectives. A good relationship is based on understanding. Understanding each other takes time. We take the time for you. To provide you with the most appropriate financial advice, products and services, we must first understand what makes you and your situation unique. Talk to us about the things that are important in your life. Together, we can prepare the way for a long-term partnership. 2

5 Identifying opportunities for you To provide appropriate services, we need to know about the details: Your financial needs and objectives Your personal goals Your current financial situation, expected income and anticipated expenditures Your tolerance for risk Your plans for philanthropy or wealth transfer Your expectations and ideas about your relationship with us 3

6 You expect personalized solutions. We strive to provide you with the best investment solutions which address your individual needs. Finding an appropriate solution requires collaboration and thought. We offer our experience and know-how on your behalf. An appropriate solution is designed to deliver the optimal balance between your personal needs and objectives while respecting your risk tolerance and correctly evaluating market opportunities. We work with you to propose and create financing and investment solutions that best suit your current situation and financial objectives. To this end, we leverage our global network of specialists, our broad range of products and services, as well as innovative technologies. The most obvious solution is not always the best. The proposal we develop for you will be based on solutions best suited to helping you, so we can then pursue your financial objectives together. A proposal is the basis for actions that can help you pursue your goals. proposes investment and financing opportunities designed to meet my individual needs. 4

7 Using existing knowledge and opportunities Success is not a matter of chance. It results from setting clear goals before implementing a consistent strategy. Our proposed solutions are customized and take into account: Your investment objectives and your tolerance for risk Your timeline for investing Your short- to long-term liquidity requirements Your tax-related considerations* Your balance sheet, including its assets-to-liabilities relationship Your desired level of involvement in investment decisions * Neither UBS Financial Services Inc. nor UBS International Inc. nor their employees (including their Financial Advisors) provide tax or legal advice. You should consult with your tax advisor or attorney regarding your personal circumstances. 5

8 You would like to know the full picture. We will show you the details of the proposed solution, agree upon it with you and implement it efficiently. Through your partnership with us, you can be confident that your decisions are supported by a team of specialists with expertise in a range of disciplines, working in all major markets around the world. Together, you and your Financial Advisor can analyze various possibilities and weigh the pros and cons of different strategies. This interaction allows you to consider which solutions you are most comfortable with before you agree to implement those that will best suit your needs. Once the decisions have been made, your Financial Advisor will access the global resources of UBS to carry out your instructions, provide you with the details and keep you informed of the next steps. 6

9 A solution is only as good as the way it is implemented. helps me to select the most suitable solution and informs me about its implementation. Developing a relationship based on clarity In order to feel confident about making decisions, it is important that you have answers to your questions. After you agree to pursue a particular solution, we will provide information to help you understand how we put the solution into action. You receive documentation and information about pricing You receive confirmation that we implemented your strategies as discussed You can access information about your accounts and investments on an ongoing basis from a variety of sources your Financial Advisor, monthly statements or, if you prefer, online 7

10 You want to know how you are doing. We ll periodically review your financial solution with you and recommend adjustments as appropriate. Life changes. The need for reviews does not. A review is not only about looking back at what has been it is also a time to look ahead. In addition to helping you understand how your investments have performed, a review meeting is the perfect opportunity to re-examine your financial situation and prepare for the future. And if your situation or your objectives change, we work with you to analyze the situation and make necessary adjustments. If necessary, we ll propose and implement a totally new solution. 8

11 Keeping up with change A review with your Financial Advisor can cover your investments, liabilities and goals as well as market changes. In addition, let us know about changes to your goals for the future or changes in your life that could influence your financial situation, such as: Your plans for retirement Your plans for wealth transfer Your plans for the education of children or grandchildren Your need for a major expenditure, such as a wedding Your desire for a major purchase, such as a vacation home Your income and any fluctuations that result from early retirement or a new business venture keeps me informed on a periodic basis and can recommend changes as appropriate. Reviewing your evolving needs and assessing market developments can help keep you on track with your goals. Listening and understanding your needs; proposing and implementing appropriate solutions; periodically reviewing your financial situation. These are all part of the UBS Client Experience a process that continues throughout our relationship with you. At UBS, financial relationships extend over a long time. Sometimes, a lifetime. 9

12 As a firm providing wealth management services, we offer both investment advisory programs and brokerage accounts. Advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information, please visit our websites at or for clients of UBS International Inc. only UBS Financial Services Inc. All Rights Reserved. Member SIPC. ab UBS Financial Services Inc. UBS International Inc X341 UBS Financial Services Inc. and UBS International Inc. are both subsidiaries of UBS AG.