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“�鶹�� Bank” is the trade name of �鶹�� Bank USA, N.A. Member FDIC, NMLS no. 947868. �鶹�� Bank is a subsidiary of �鶹�� Group AG.

Benefits are subject to change and cancellation at any time. Certain conditions, limitations and exclusions apply. For more information on benefits, see ubs.com/uscards.

¹ Priority Pass^TM��Select offers access to over��1,500 participating airport lounges worldwide. Membership is required to access participating lounges. To request your complimentary membership card, visit ubs.com/prioritypassselect.

²��Eligible �鶹�� Visa Infinite card accounts must have cumulative spending of $25,000 or greater during either the current calendar year-to-date or the prior calendar year. Credits must be requested and will be no greater than the amount of the restaurant transactions, the Amazon Prime membership fees and airport lounge access charged to your eligible �鶹�� Visa Infinite card account, up to $500 per calendar year. You may claim up to $500 in credit(s) for each calendar year in which you qualify for the benefit. If you claim more than $500 in credits in a calendar year, the credits issued will be capped at $500 for that year. If you do not claim the maximum eligible credit in a year, the unclaimed portion will not carry over into subsequent years. You must claim the credits for the same calendar year in which the applicable purchase transactions posted to your card account. A credit must be claimed within 120 days of the transaction date.

Amazon Prime is provided by , Inc. and not by �鶹�� Bank or its affiliates. �鶹�� makes no representation or warranties with respect to any product or service offered by , Inc. and �鶹�� will have no input concerning such products and services. �鶹�� and , Inc. are independent of each other and do not have an agency, partnership or employment relationship, and �鶹�� may not act for or bind , Inc. in any manner. All requests for products or services must be made directly with , Inc. and are subject to its internal review and approval process.

³��You must enroll in this benefit on �鶹�� Online Services and select one of the eligible domestic��US carriers. The selected airline applies to all cards in the enrolled card account. Qualifying Airline Purchases must be charged to the enrolled card account and may vary by airline. �鶹�� and Visa rely on airlines to submit the correct information for these transactions.

⁴��You must be an eligible �鶹�� Visa Infinite cardholder to participate in this offer.

You must complete either the Global Entry® or TSA PreCheck® application(s) and pay the application fee(s) with your �鶹�� Visa Infinite card.

Global Entry® is a��U.S. Government program, operated by��U.S. Customs and Border Protection (CBP). Visa and �鶹�� Bank have no control over the program including, but not limited to, application, approval process or enrollment, fees charged by CBP, and no liability with regards to the Global Entry® program. For complete details on the Global Entry® program, including full terms and conditions, go to cbp.gov/global-entry/about.

TSA PreCheck® is a��U.S. Government program administered by the Transportation Security Administration (“TSA”), a component of the��U.S. Department of Homeland Security (“DHS”). Visa and �鶹�� Bank have no control over the program including, but not limited to, application, approval process or enrollment, fees charged by TSA, and no liability with regards to the TSA PreCheck® program. For complete details on the TSA PreCheck® program, including full terms and conditions, go to tsa.gov/precheck. The TSA PreCheck® trademark is used with the permission of the US Department of Homeland Security.

Global Entry® also includes TSA PreCheck® benefits when departing��U.S. airports. Travelers must include their Global Entry® PASS ID # (located on the back of the Global Entry® card) into travel reservations to activate their TSA PreCheck® benefit.

Eligible cardholders are entitled to up to $120 in a statement credit per eligible Visa Infinite account number on one qualifying transaction every four (4) years for completing the following qualifying transactions: Global Entry® application fee or TSA PreCheck® applications fees. Cardholders can continue to earn up to $120 in statement credit(s) for application fees every 4 years. The 4-year period is based on the date of the first qualified transaction. Please allow 6 – 8 weeks after either the Global Entry® or TSA PreCheck® program application fee is charged to an eligible Visa Infinite card for the statement credit to be posted to your account.

Cardholders are responsible for payment of all charges until the statement credit posts to the account.

Visa and �鶹�� Bank reserve the right to modify or cancel this offer at any time and without notice.

⁵��Benefits vary by property. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Infinite Luxury Hotel Collection website or through �鶹�� Concierge for benefits to apply. Some properties may require a minimum night stay or require booking certain room categories to receive the additional complimentary benefit. Please consult the terms and conditions for each property.

⁶��The Car Rental Privileges benefits are subject to each car rental company’s terms and conditions, which are subject to change. For more information on benefit details, terms and conditions, go to ubs.com/mycardbenefits or ubs.com/uscards.

⁷��Extra points are based on the merchant category code defined by Visa and agreed to by the merchant. Air travel and hotel bookings through online sites other than the airlines’ and hotels' own sites may not qualify for extra points. Merchant categories for the small business extra points include office supplies, business cable/internet, shipping, business phone, and advertising, as established by Visa. Extra points small business combined spend is capped at $200,000 per credit card account anniversary year. Purchases at superstores and warehouse clubs do not qualify for extra points.

⁸ The item or items you purchase must add up to $100 or more before redeeming.

⁹��If you voluntarily close your card account, or if �鶹�� Bank closes your card account due to inactivity, and your card account is in good standing, you will be allowed 90 days following the effective date of termination of the �鶹�� card account to redeem outstanding rewards points for gift cards or merchandise. In the event �鶹�� Bank closes your card account for any reason other than inactivity, your points will be immediately forfeited.

¹⁰��Cardholders are responsible for the cost of any goods or services purchased through the �鶹�� Concierge.

^11��This benefit is supplemental coverage for theft of, damage to or involuntary and accidental parting of your cell phone. Once all other applicable insurance has been exhausted, Cellular Telephone Protection will provide coverage up to $750 per claim, up to two (2) claims and $1,500 per twelve (12) month period. Please see complete terms and conditions for details.

¹²��There must be sufficient funds to repay the cash advance that night or you will incur applicable cash advance fees and interest charges. The automatic transfers used to pay off your CashConnect cash advances will reduce the available funds in your �鶹�� Resource Management Account (RMA) or Business Services Account BSA that is linked to your �鶹�� Visa credit card and as a result could affect other transactions dependent on cash, such as fee payments, investment purchases, online bill pay, debit card usage and outstanding checks. Please make sure that you have sufficient available funds (up to your Withdrawal Limit) in your �鶹�� Financial Services Inc. account linked to your �鶹�� Visa credit card to cover these items, as well as the CashConnect cash advance. The CashConnect feature is available only for cardholders who have the �鶹�� Visa credit card connected to a RMA or Business Services Account BSA.

¹³��We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to �鶹�� by the ATM operator and/or network used. In the event that you do not receive a rebate for a fee that you believe is eligible, please call 800-762-1000 or from outside the U.S. call 201-352-5257 for assistance. ATM rebates are only available for cardholders who have the �鶹�� credit card linked to a Business Services Account BSA. We do not reimburse international ATM fees.

¹⁴��Cardholder must take care in protecting their card and notify �鶹�� Bank immediately of any unauthorized use. Conditions may apply. Please see your cardmember agreement for details.

¹⁵��Visa SavingsEdge® is a Small Business loyalty and discount program offered by Visa U.S.A. Inc. to eligible businesses and their authorized Cardholders that hold an eligible Visa Business Card. Visa Small Business Cardholders can receive savings through two types of Discount Offers: Instant Coupons and Cashback. With Instant Coupons, Cardholders may receive a discount at the time of purchase by using an applicable coupon code or link from a participating Merchant. A linked card is not required for Cardholders to use Instant Coupons. With Cashback Offers, Cardholders must link (enroll) their eligible card in the Program and use their linked card to make qualifying purchases of goods or services pursuant to an active Cashback Offer provided by a participating Merchant, and that transaction must be processed or submitted through the Visa payment system (a “Qualifying Purchase”). Visa may modify, restrict, limit or change the Program in any way and at any time. Visa reserves the right at any time to cancel the Program. Visa also reserves the right to suspend or cancel any Cardholder’s participation in the Program. Cardholders will only receive discounts for qualifying purchases that are in full compliance with the terms of the applicable Discount Offer. Discount Offers may be subject to additional Terms

and Conditions. Discount Offers may be removed from the Program at any time and are subject to availability. Discount Offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales. Discounts will not appear on a Cardholder’s receipt at the point of sale. For Cashback Offers, discounts are provided in the form of credits
posted to the Cardholder’s applicable Visa Business Card account. Please visit for complete details on the program, including the program terms and conditions.

^16��For annual service fee waiver eligibility, please refer to the Fees and Charges section of the Agreements and Disclosures document located at ubs.com/disclosuredocuments or contact your Financial Advisor.

¹⁷��Only available on desktop platform.

¹⁸��Enrollment required. Eligible accounts must have cumulative spending of $12,000 or greater each year as marked by the anniversary date of your enrollment in the benefit. You may receive up to $140 in credit(s) for each year in which you qualify for the benefit. If you do not receive the maximum eligible credit in a year, the unused portion will not carry over into subsequent years. Credit(s) will only be applied to Amazon Prime membership fees charged to your enrolled �鶹�� Visa Signature card account.

Amazon Prime is provided by , Inc. and not by �鶹�� Bank or its affiliates. �鶹�� makes no representation or warranties with respect to any product or service offered by , Inc. and �鶹�� will have no input concerning such products and services. �鶹�� and , Inc. are independent of each other and do not have an agency, partnership or employment relationship, and �鶹�� may not act for or bind , Inc. in any manner. All requests for products or services must be made directly with , Inc. and are subject to its internal review and approval process.

¹⁹��Benefits vary by property. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through �鶹�� Concierge for benefits to apply. Please consult the terms and conditions for each property.

About �鶹�� Bank
�鶹�� Visa Infinite cards, �鶹�� Visa Signature cards and �鶹�� Visa Debit cards are issued by �鶹�� Bank USA, N.A. with permission from Visa U.S.A. Inc.

About �鶹�� Financial Services Inc.
The Resource Management Account (RMA) and Business Services Account BSA are brokerage accounts with �鶹�� Financial Services Inc., a registered broker-dealer and Member SIPC. The RMA and Business Services Account BSA provide access to cash management products and services through arrangements with affiliated banks and other third-party banks. �鶹�� Financial Services Inc. is not a bank.

Investment products: Not FDIC insured • Not a Deposit • No bank guarantee • May lose value

�鶹�� Financial Services Inc. is a subsidiary of �鶹�� Group AG. �鶹�� Financial Services Inc. is a member of SIPC. Member FINRA.

© �鶹�� 2026. The key symbol Resource Management Account (RMA), Business Services Account BSA and �鶹�� are among the registered and unregistered trademarks of �鶹��. VISA, VISA INFINITE, and VISA SIGNATURE are trademarks and registered trademarks of Visa International Service Association and used under license. All other trademarks are the property of their respective owners. All rights reserved.

20251230-5088884 Exp. 12/30/2026