UBS Visa Signature - My Choice Rewards
abYour adventure starts now.The UBS Visa Signature credit card rewards and benefits guide.#Redemptions: ubs.com/onlineservices / UBS Concierge: 800-762-1000 / Learn more: ubs.com/uscards
Designed to be thebest card in your walletYou may be surprised at the range of benefits that areavailable to you with the UBS Visa Signature credit card.This brochure was created to help you take full advantageof your card, rewards and benefits, which includeaccessing cash at ATMs without the typical fees.The card was designed exclusively for UBS clients andfocuses on providing a higher level of service. Our customer service representatives arehighly trained and 100% based in the United States. The UBS Concierge is resourcefuland can handle almost any request, from travel arrangements to locating the perfectgift for a loved one.You’ll also be able to shop and travel with confidence. You’re covered with a variety ofprotection benefits that go beyond the ordinary to include Return Protection and theZero Liability Policy. Plus, we’re there for you when you travel, including providing youwith roadside assistance and travel accident insurance.1Thank you for being a UBS client. We trust that this guide will help bring to life theadventures that await you. And it all starts now.Content is accurate as of January 1, 2014 and subject to change.For current information, please call 800-762-1000.
Cash accessProtection3Protection479121313UBS Concierge14My Choice RewardsPersonal Choice featureTravelFood and diningShoppingExperiencesCharitable donations17182022243032UBS ConciergeTravelHotelsAirlinesCarsCruisesTravelCash accessMy Choice Rewards1Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Cash accessAccess cash worldwidewithout the cash advance feesA credit card that you’ll wantto use at the ATMYou’ll be able to get cash at banks andATMs worldwide without the typicalfinance charges and cash advance fees.That’s because with the unique UBSCashConnect feature, your cashadvances are automatically repaid eachbusiness day from your UBS ResourceManagement Account (RMA ).2 As longas you have sufficient funds available,you won’t ever incur finance charges orcash advance fees.3Unlimited ATM fee rebatesAs a UBS card client, you’ll also receive anunlimited number of ATM fee rebates onATM withdrawals in the U.S. (up to 3 pertransaction).Worldwide acceptanceVisa is welcomed at more merchants andATM locations than any other card.Did you know?Another convenient payment feature isthe UBS Pay Credit Card, which enablesyou to automatically pay your card balancefrom your RMA, so you won’t have toworry about missing a payment andincurring late fees.3 Pay the full amount,the required minimum or anywhere inbetween each month.The convenient way to payYour card provides you with maximumflexibility when it comes to shopping.You can pay with your credit card, orif you’d prefer, take advantage of theCashConnect feature to access funds atany ATM or bank so you can pay withcash. It’s your choice.Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Purchase and travel protectionbenefits designed to give yougreater peace of mindMore than ever, it’s important to feelconfident that you’re covered. That’swhy your card provides you with acomprehensive level of purchase andtravel protection benefits.1 24/7 access to UBS Client ServicesWhen you need help or havequestions, we’re always a phone callaway at 800-762-1000 Emergency card replacementand cash disbursementSo you’re never left stranded if youlose your card or if it’s stolen The Zero Liability Policy forunauthorized purchasesYou’re not responsible forunauthorized charges made withyour card4 Purchase securityIf something you buy with your cardis stolen or damaged within thefirst 90 days, you can have the itemrepaired, replaced or reimbursed upto 500 per claim Warranty manager serviceAutomatically doubles themanufacturer’s warranty onpurchases you make with your cardfor up to one additional year Return protectionIf you attempt to return an item thatyou bought in the U.S. with yourcard within 90 days of purchase andthe company or merchant refuses toaccept it, we’ll reimburse you up to 250 per item and 1,000 annually4
ProtectionTravel with greater peace of mind Lost luggage reimbursementUp to 3,000 if your bags are lost,misdirected by the carrier or stolen Auto rental collision damage waiverSecondary coverage that reimburses youfor damage due to collision or theft upto the value of most rental vehicles Delayed luggage coverageUp to 100 a day for 3 days Roadside assistanceWhether it’s to fix a flat, jump-start abattery, fill an empty tank or give youa tow, you are covered up to 50 perevent, for up to four service eventsper year Travel and emergency assistanceservicesAt your service 24/7 for medicalreferrals, legal assistance, ticketreplacement and more Travel accident insuranceUp to 250,000 covers you and yourfamily for loss of life, limb, sight, speechor hearing5Certain terms, conditions and restrictionsapply. To review the complete Terms &Conditions, visit ubs.com/creditcard.Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
TravelTravelA card that helps you travel in styleYour UBS Visa Signature credit card is agreat traveling companion. In fact, whenyou use your My Choice Rewards pointsfor flying, you can get a ticket worth up to 900 on any airline for just 50,000 points(saving you up to 40,000 points).5Did you know?There are no blackout dates on yourflights when you redeem your My ChoiceRewards points. Just book your trip bycalling the My Choice Rewards programthrough UBS Client Services at 800-7621000 or by visiting UBS Online Services.Travel planning assistanceAccess travel planning experts who canarrange flights, transfers and complexitineraries—without concierge fees.7Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
As a UBS Visa Signature credit card client,8
Travel: HotelsHotelsUnique hotel properties, upgradesand amenitiesThe Visa Signature Luxury Hotel Collectiondelivers a comprehensive collectionof benefits. A selection of superiorproperties—like the Mandarin Oriental,Park Hyatt and Aman Resorts—comprisethe Visa Signature Luxury Hotel Collection.From boutique gems to world-famousresorts, each hotel is evaluated annuallyto ensure it continues to meet programstandards.As a UBS Visa Signature credit card client,you’ll enjoy a unique set of benefits whenyou book through the Visa SignatureLuxury Hotel Collection, including:6 Best available rate guarantee Automatic room upgrade upon arrival,when available Free in-room Internet Complimentary continental breakfast 3:00 p.m. checkout, when available VIP guest status 25 food or beverage voucherVisit the Visa Signature Luxury HotelCollection website to view detailedinformation on all properties. Yourbenefits are activated automatically whenyou book through the site. To get started,visit ubs.com/visasignaturehotels.Top left: Park Hyatt Paris-VendômeTop center: Le Meridien Bora BoraTop right: Fairmont Pacific RimBottom: Machu Picchu Sanctuary Lodge9Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Preferred hotels, resorts and villasIn addition to the Visa Signature LuxuryHotel Collection, your UBS Concierge canalso arrange special benefits and amenitiesat many four-star and five-star propertiesand private vacation villas worldwide. Callyour UBS Concierge at 800-762-1000 formore information or assistance in planningyour next trip.and then use the Personal Choice featureto redeem your rewards points, and youwon’t be limited by blackout dates.Hotel gift cards to enhance your stayRedeem points for a wide range of giftcards to use for your room and at thehotel gift shop, spa and restaurants.No blackout dates on hotelsBook and pay for your hotel reservationusing your UBS Visa Signature credit card10
Travel: Hotels11Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
2011 NetJets Inc.AirlinesTake off with NetJets Fly virtually wherever and whenever youwant to go with NetJets, the worldwideleader in private aviation. NetJets has asolution for almost every need—shares,leases and the Marquis Jet Card .No blackout dates or restrictionson any airlineUse My Choice Rewards points to bookflights on any airline without restrictions.There are no blackout dates, either. Justcall the My Choice Rewards programthrough UBS Client Services at 800762-1000 or go online to ubs.com/onlineservices.Did you know?UBS My Choice Rewards entitles you tospecial flight discounts on every airlinewhen you book reward travel throughthe UBS My Choice Rewards program.You’ll save up to 40,000 points per ticket,because you can book a ticket worth upto 900 for just 50,000 points.512
Travel: Airlines, cars and cruisesCars and cruisesWhether you’re flying, driving or relaxingon a cruise, your card automaticallycovers you with the following protectionbenefits1: Travel accident insuranceUp to 250,000 covers you and yourfamily for loss of life, limb, sight, speechor hearing Auto rental collision damage waiverSecondary coverage that reimburses youfor damage due to collision or theft upto the value of most rental carsGift cards for the road aheadRedeem points for a wide range ofrental car gift cards that can put youin everything from an SUV to a luxuryconvertible. And keep the tank full withour fuel gift cards.Certain terms, conditions and restrictionsapply. To review the complete Terms &Conditions, visit ubs.com/creditcard.CruisesTake a tropical Caribbean vacationor experience the wonders of Alaskafrom the luxury of a cruise ship. Yourcard can help you set sail on a greatadventure. Shipboard credits, hostedcruises and complimentary shoreexcursions are available when bookedthrough the UBS Concierge. Roadside assistanceWhether it’s to fix a flat, jump-start abattery, fill an empty tank or give youa tow, you are covered up to 50 perevent, for up to four service eventsper year13Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
UBS ConciergeLet the UBS Concierge book a flight, hotelor rental car, secure a prime-time dinnerreservation or land hard-to-get ticketswherever you go. Let their experienceworking with reputable vendors get youthe best available seats.The UBS Concierge will guide youthrough your benefits. Access the UBSConcierge by calling UBS Client Servicesat 800-762-1000.Enjoy VIP events like premieres, parties,top-tier sporting events and customized,once-in-a-lifetime experiences.14
UBS Concierge15Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
My Choice RewardsMy Choice Rewards programUse your card everywhere—andit can take you anywhereUse your UBS Visa Signature credit cardand earn one My Choice Rewards pointfor every dollar you spend on eligiblepurchases.Rewards as unlimited as yourimaginationMy Choice Rewards is one of themost flexible rewards programs in theindustry. Choose from a wide selection oftraditional rewards like travel, gift cardsand merchandise. Or with the PersonalChoice feature, you can use your pointsto pay for anything you purchase withyour card.17Points never expireWith the My Choice Rewards program,your points never expire, and there’s nocap on how many points you can earn.7Did you know?You can pay the 150 annual fee for yourRMA at the special redemption rate of just8,500 points.8No blackout dates on flights or hotelsJust book a flight or a hotel on yourfavorite travel website using your UBS VisaSignature credit card and then redeemyour rewards points to cover the cost—you won’t be limited by blackout daysduring even the busiest holiday.A bright idea—earn pointson your monthly electric billWhen you use your card to pay your bills,whether for a one-time transaction or arecurring billing payment such as yourmonthly electric bill, you’ll earn My ChoiceRewards points even faster.Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
A rewards program that doesn’tknow the meaning of the word “no.”With the Personal Choice feature of theMy Choice Rewards program, you’ll havethe freedom to redeem your points to payfor anything you buy with your card. Sothere’s no limit to how you can rewardyourself.There are no hidden restrictions orcomplicated rules. And redeemingpoints is easy—just go toubs.com/onlineservices or call UBSClient Services at 800-762-1000.A cruise around the world. Tennis lessonsfor the kids. Airline tickets. Hotels. Jewelry.Groceries. Just as long as you redeem yourrewards points for a minimum of 100in purchases, you’re free to use them anyway you want. It’s your choice.Did you know?You can transfer your points betweenyour UBS accounts—or combine them.18
My Choice Rewards: Personal Choice19Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
TravelYour My Choice Rewards points are yourticket to great travel adventures, reducedairline redemption rates and a lifetime fullof memories.HotelsSince there are no blackout dates withthe Personal Choice feature, you can staywherever you like without restrictions.From a romantic villa in Tuscany to afive-star hotel, just book your hotel, paywith your UBS Visa Signature credit cardand call the My Choice Rewards programthrough UBS Client Services at 800-7621000 or visit UBS Online Services to geta statement credit. And our extensivearray of hotel gift cards can be used topay for the room, hotel spa, gift shop andrestaurants.20
My Choice Rewards: TravelFlightsCar rentals and fuelCruisesNo blackout dates on flightsFind a flight on any airline, book it onyour UBS Visa Signature credit card andpay with your points. It’s that simple.Your points can put you in the driver’s seatthe next time you’re looking to rent a car.Choose from a wide selection of rental carand fuel gift cards.Whether you’re taking a cruise to thesunny Mediterranean or to the fjords ofNorway, your card can help you set sailon a great adventure—at rates reservedexclusively for you.Save up to 40,000 points per flightWhen you book through the UBS MyChoice Rewards program, you’ll benefitfrom reduced airline redemption rates thatare good for any airline, any time. Simplycall the UBS My Choice Rewards programthrough UBS Client Services at 800-7621000 or visit UBS Online Services.5 50,000 points for a flight worth up to 900 (save up to 40,000 points) 25,000 points for a flight worth up to 350 (save up to 10,000 points)21A complete listing of available gift cardsis available on UBS Online Services.Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Food and diningFrom five-star restaurants around theworld to the coffee shop around thecorner, your My Choice Rewards pointsare your entrée to fine dining and more.Bon appétit.Any restaurantWith the Personal Choice feature, youcan redeem points at your choice ofrestaurants. Just dine, pay with yourcard and call the My Choice Rewardsprogram through UBS Client Services at800-762-1000 for a statement credit.Gift cardsYou can also choose from a wide arrayof restaurant gift cards for your diningpleasure or to give to friends and family.Fine diningMcCormick & Schmick’sMorton’s of ChicagoRuth’s Chris Steak HouseSmith & Wollensky22
My Choice Rewards: Food and DiningCasual diningOn the goFood and wineThe Cheesecake FactoryDunkin’ DonutsGodivaLandry’s SeafoodPanera Bread Harry and DavidLegal Sea FoodsStarbucks Omaha Steaks Brinker InternationalSubwayWine.comFor a complete listing of merchandise and gift cards, visit UBS Online Services at ubs.com/onlineservices.23Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
ShoppingYour My Choice Rewards points make iteasy for you to go on a shopping spreefrom the comfort of your own home. Orredeem your points for gift cards to someof the finest boutiques and hottest storesin the world. With more than 700 items,this extraordinary selection of merchandiseruns the gamut from the latest inelectronics and cookware to the putterthat you know will shave a few strokesoff your handicap.If you don’t see it, don’t worryRemember, with the Personal Choiceredemption feature, you can buy an itemwith your UBS Visa Signature credit cardand use your rewards points to pay for it.24
My Choice Rewards: ShoppingClothes. Shoes. Handbags. And other things that make the world go round.Banana RepublicGapMen’s WearhouseDillard’sL.L.BeanOld NavyJos. A. BankMacy’sTJ Maxx/Marshalls/HomeGoodsFor a complete listing of merchandise and gift cards, visit UBS Online Services at ubs.com/onlineservices.25Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Home is where the rewards areBring something wonderful into your home, like an imported espresso maker or a set of 1,000-thread count sheets. Or pick up thelatest power tools and get that home renovation project started.Amazon.comOrvisPier 1 Imports Bath & Body Works The Home Depot Pottery Barn Bed Bath & Beyond J.C. Penney Yankee Candle26
My Choice Rewards: ShoppingLuxury at your fingertipsWhether you’re looking for a luxury watch for someone special or you’re ready for a day of pampering at a mountain spa for yourself,your rewards points help you celebrate the finer things in life.Bergdorf GoodmanNeiman MarcusSpaFinderBloomingdale’s NordstromTiffany & Co.Longines Men’s WatchesSaks Fifth AvenueTourneauFor a complete listing of merchandise and gift cards, visit UBS Online Services at ubs.com/onlineservices.27Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Rewards that keep you on the moveBring your game up a notch with a new set of clubs. Get mountain bikes for the entire family and enjoy the great outdoors.iPod Nano Edwin Watts Golf Nike Cabela’s Golfsmith REI Callaway GolfDillard’sSports Authority 28
My Choice Rewards: ShoppingFrom electronics to entertainment, we’ll keep you plugged inWant to go to the movies? Use your My Choice Rewards points to get your tickets. Prefer to stay in and watch a movie on your 70”LED flat-screen TV? We can help with that, too.AMC Best Buy LGiPod Touch GameStop SamsungBarnes & NobleGarmin Ticketsnow.comFor a complete listing of merchandise and gift cards, visit UBS Online Services at ubs.com/onlineservices.29Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
ExperiencesIt’s not every day that you’re able to scoreseats for the World Series or sit courtsideat the U.S. Open. Your My ChoiceRewards points are your ticket to greatadventures, including a once-in-a-lifetimeGrand Australia and New Zealand tour ora behind-the-scenes look at the pyramidsand mummies of Egypt for your entirefamily.30
My Choice Rewards: ExperiencesVacation packagesFairmont Chateau Whistler Mountain Adventure253,300 pointsCosta Rica Adventure394,000 pointsEuropean Vacation—Rome, Paris & London501,000 pointsPyramids, Mummies & Temples—A Family Adventurefrom Abercrombie & Kent800,000 pointsGrand Australia and New Zealand2,500,000 pointsThe sporting lifeKentucky Derby Program—Lexington Horse Farm Experience400,000 pointsU.S. Open Golf Tournament—4-Day Experience400,000 pointsBCS College Football Championship Game550,000 pointsMasters Golf Tournament—Practice Round Experience800,000 pointsU.S. Open Tennis Finals—Weekend Loge Level Package311,000,000 pointsRedemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Give the giftof giving backJustGive.org has harnessed the powerof the Internet to remove barriers tocharitable giving. By offering over 1,000charities that have met their stringentpublic requirements, you can give backwith confidence. Or use your UBS VisaSignature credit card to give to the charityof your choice, and then simply redeemyour points to cover the donation.32
1Certain terms, conditions and exclusions apply. Please seeyour UBS Visa Signature credit card My Choice Rewardsprogram and benefits details for specifics.2When you use your credit card to access cash, there mustbe sufficient funds in your UBS account to repay the cashadvance that night or you will incur applicable cash advancefees and interest charges. The automatic transfers used topay off your CashConnect cash advances will reduce theavailable funds in your UBS account, and, as a result, couldaffect other transactions dependent on cash, such as feepayment, investment purchases, online bill pay, debit cardusage and outstanding checks. Please make sure that youhave sufficient available funds in your UBS account to coverthese items, as well as the CashConnect cash advance.Feature available only for cardholders with a UBS account.3You must have sufficient funds available in your UBS account.4Does not apply to ATM transactions, certain commercial cardtransactions, PIN or other transactions not processed by Visa.Unauthorized use must be reported immediately. For specificrestrictions, limitations and other details, please call us at800-762-1000.5678There is a 25 booking fee associated with the redemptionoption(s). Tickets must be booked though UBS and chargedto your UBS Visa Signature credit card. Once your purchaseis complete, applicable rewards points will be deducted fromyour account and a credit posted to your credit card accountfor the ticket price. Some airline carriers may not be included(e.g., Southwest Airlines Co.).Certain restrictions and limitations apply. For additionaldetails, please visit: oints will be forfeited if all UBS cards associated with thesame card account are closed by you or us. You will have 60days to redeem your points before they are forfeited.Please see your UBS Visa Signature credit card My ChoiceRewards program and benefits details for specifics on pointsredemption.Amazon.com is not a sponsor of this promotion. Except asrequired by law, Amazon.com Gift Cards (“GCs”) cannot betransferred for value or redeemed for cash. GCs may be usedonly for purchases of eligible goods at Amazon.com or certainof its affiliated websites. For complete terms and conditions,see www.amazon.com/gc-legal. GCs are issued by ACI GiftCards, Inc., a Washington corporation. All Amazon , TM & are IP of Amazon.com, Inc. or its affiliates. No expiration dateor service fees.iTunes and MacBook are registered trademarks of Apple Inc.All rights reserved. Apple is not a participant in or sponsor ofthis promotion.Barnes & Noble is not a sponsor or co-sponsor of thispromotion. Please see back of gift card or visit www.bn.comfor terms and conditions of use. Barnes & Noble is not liable forany alleged or actual claims related to this offer.Bath & Body Works is not a sponsor of this promotion and isnot affiliated with UBS Bank USA. The Bath & Body Works name and logo are registered trademarks of Bath & Body WorksBrand Management, Inc.Bed Bath & Beyond is not a participating partner in or sponsorof this promotion. Terms and conditions apply to gift cards. BedBath & Beyond is a registered trademark. 2014 Bed Bath &Beyond Inc. and its subsidiaries.BEST BUY is not affiliated with UBS Bank USA. Best Buy doesnot sponsor, endorse, approve or have any responsibility for thispromotion. BEST BUY, the BEST BUY logo and the tag designsare trademarks of BBY Solutions, Inc.Bloomingdale’s is not a sponsor or co-sponsor of this program.Bloomingdale’s Terms & Conditions apply to all cards. See backof card for details.Brinker International (Chili’s Grill & Bar , Macaroni Grill , Onthe Border and Maggiano’s Little Italy ) is not a sponsor orco-sponsor of this promotion and is not liable for any allegedor actual claims related to this offer. See back of card for termsand conditions. All brand names and logos are registeredtrademarks of their respective owners.A prepaid card redeemable for merchandise at all Cabela’slocations, for Cabela’s catalog purchases, and at33www.cabelas.com (there is no limit to the amount of cards thatcan be used online) CANNOT be used for payment on Cabela’sCharge. For gift card balance call 800-237-4444. Cards do notexpire.Callaway Golf is not a sponsor of this promotion. Gift card canonly be redeemed online at www.callawaygolfgiftcard.com orover the phone.The Cheesecake Factory Incorporated (collectively with itssubsidiaries and affiliates) (“The Cheesecake Factory”) is notaffiliated with UBS Bank USA. The Cheesecake Factory does notsponsor, endorse, or have any responsibility for this promotion.The Cheesecake Factory logo and trademarks are the propertyof TCF Co. LLC. All rights reserved. 2014 DD IP Holder LLC. All rights reserved. The Dunkin’Donuts trademarks/trade dress are owned by DD IP Holder LLCand used under license. Dunkin’ Donuts is not a sponsor of thispromotion.Edwin Watts Golf is not a sponsor or co-sponsor of thispromotion. Please visit www.edwinwattsgolf.com for terms andconditions of use. Edwin Watts Golf is not liable for any allegedor actual claims related to this offer.Exxon Mobil Corporation is not a sponsor or co-sponsor ofthis promotion. The Exxon and Mobil logos are registeredtrademarks of Exxon Mobil Corporation or one of itssubsidiaries. ExxonMobil Gift Cards are issued and sold by SVM,an Illinois Limited Partnership.GameStop and/or Marketing Control Services are not asponsor or co-sponsor of this promotion. Please see back ofgift card for terms and conditions of use. GameStop and/orMarketing Control Services are not liable for any alleged orclaims related to this offer.Godiva is not a sponsor of this promotion. Treat this card likecash. This card is not a debit or credit card. This card can beredeemed at any company-owned Godiva store or on-line atwww.GODIVA.com. This card is redeemable for merchandiseonly. It cannot be redeemed for cash unless required by law.To locate the store nearest you, please visit www.GODIVA.com.To check your balance, call 800-943-5309 or visit any companyowned Godiva store. The value of this card will not be replacedif lost, stolen or destroyed without valid proof of purchase.Redemptions: ubs.com/onlineservices / UBS Client Services: 800-762-1000 / Learn more: ubs.com/creditcard
Use of this card is restricted to U.S. purchases. GodivaChocolatier reserves the right to change these requirements.Golfsmith is not a sponsor or co-sponsor of this promotion.Please see back of gift card or visit golfsmith.com for termsand conditions of use. Golfsmith is not liable for any alleged oractual claims related to this offer.The Home Depot is a registered trademark of Homer TLC Inc.The Home Depot is not a sponsor of this promotion.JustGive is not a sponsor or co-sponsor of this promotion.Terms and conditions apply, please visit https://www.justgive.org/gc/gc tc.jsp for more information. JustGive is notresponsible for any alleged or actual claims related to this offer.JustGive is not responsible for any information which is givenby the client to any third party or vendor via this website or thepromotion.UBS Bank USA is not affiliated with L.L.Bean and L.L.Bean isnot a sponsor or co-sponsor of this promotion.Macy’s is not a sponsor or co-sponsor of this program. Macy’sTerms and Conditions apply to all cards. See back of card fordetails. The Macy’s name and logo are registered trademarks ofMacy’s Inc.Men’s Wearhouse is not a sponsor of this promotion.Neiman Marcus is a registered trademark of NM Nevada Trust.All rights reserved. The Neiman Marcus Group is not affiliatedwith or responsible for the administration of this promotion.Nordstrom, Inc. is not a participant, sponsor or co-sponsorof this promotion. Please see back of gift card for terms andconditions of use.A prepaid card redeemable at all Orvis stores, by phone, or atwww.orvis.com (there is no limit to the amount of cards thatcan be used online). To order an Orvis catalog, call 800-2359763. For gift card balance, call 800-242-5353.PANERA BREAD and the Mother Bread Logo are registeredtrademarks of Panera Bread and are used with permission.Panera Bread is not a sponsor of this program. See back ofthe Panera Card gift card for complete terms and conditionsof use.Pier 1 Imports is not affiliated with UBS Bank USA. Pier 1and Pier 1 Imports are registered trademarks of Pier 1 ServicesCompany.Pottery Barn is a registered trademark of Williams-Sonoma, Inc.This card may be used for making purchases at Pottery Barnstores in the United States, by phone or online atwww.potterybarn.com. It may not be redeemed for cashor applied as payment to any account, unless required bylaw. Pottery Barn cannot accept responsibility for cardslost, damaged or stolen, or any unauthorized use of cards.Acceptance of this card constitutes acceptance of these termsand conditions, which may change at any time. For storelocations or to place a catalog order, call 800-922-5507.Gift cards are issued by REI Customer Services, Inc. REI is nota sponsor of this promotion.Ruth’s Chris Gift Card is subject to the terms and conditionsof use printed on the gift card. Ruth’s Chris Steak House is notaffiliated with UBS Bank USA nor is it a sponsor or co-sponsorof this promotion. Ruth’s Chris name and logo are registeredtrademark of Ruth’s Chris Steak House.Smith & Wollensky Gift Cards and Bonus Cards are not valid atthe New York City location, which is owned and operated by anindependent restaurant group.SpaFinder is not a sponsor or co-sponsor of this promotion.SpaFinder and the SpaFinder logo
available to you with the UBS Visa Signature credit card. This brochure was created to help you take full advantage of your card, rewards and benefits, which include accessing cash at ATMs without the typical fees. The card was designed exclusively for UBS clients and focuses on providing a higher level of service.
Visa Signature is a registered service mark of Visa International. The UBS Visa debit card, UBS Visa Signature credit card and UBS Preferred Visa Signature credit card are issued and administered by UBS Bank USA with permission from Visa U.S.A. Incorporated. Credit lines are provided by UBS Bank USA, an affiliate of UBS Financial Services Inc .
UBS Bank USA and UBS FSI are subsidiaries of UBS AG. Resource Management Account, RMA and Business Services Account BSA are registered service marks of UBS FSI. The UBS Preferred Visa Signature credit card is issued by UBS Bank USA pursuant to a license from Visa U.S.A. Incorporated. Visa is a registeredFile Size: 512KBPage Count: 60
2 UBS Global Real Estate Bubble Index 2022 UBS Global Real Estate . Bubble Index. This report has been prepared by . UBS Switzerland AG, UBS AG Singa-pore Branch, UBS AG Hong Kong . Branch, UBS AG London Branch and . UBS Financial Services Inc. (UBS FS). Please see the important disclaimer . at the end of the document. Past . performance is not .
† Visa Signature Concierge – Visa Signature also provides complimentary Concierge* service, featuring 24-hour assistance with travel planning, dinner reservations and more. † Shopping – Cardholders enjoy shopping discounts and offers at premium retailers from jewelry to apparel an
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