Welcome to the UBS Card Program With your new UBS American Express® Card and/or Visa Signature® credit card, you'll have access to the cash, debit and credit options you need, wherever you go. The UBS Card Program is designed exclusively for UBS clients to give you: • Unlimited ATM fee rebates—on your UBS American Express Card or UBS Visa Signature credit card, all over the world. Get reimbursed up to $3 per transaction for an unlimited number of transactions. • Earn at least 1 rewards point for every dollar you spend with either card—and when you use your UBS American Express Card for eligible travel purchases, you'll earn 50% more rewards points.1 • A single points bank for all your UBS cards—All rewards points are deposited in a single points bank so points accumulate faster.2 • A 24-hour concierge—ready to help with yourtravel, dining and dinner plans. • My Choice Rewards—buy what you want with your UBS card(s) and pay for it with rewards points.3 Your UBS card(s) will arrive in the mail during the next two weeks. Activating your card when it arrives will give you access to valuable banking services,4 an exceptional rewards program, travel and personal protections, and more. For more information about rewards options and point values, please log in to UBS Online Services at www.ubs.com/onlineservices or refer to your UBS Rewards and Benefits Guide that will arrive in the mail. We hope you will enjoy—and take full advantage of—your new UBS benefits and rewards. The program was designed with you in mind. Sincerely, Simon Walsh Head, UBS Card Program      Sign up now.        I already have a user name and  password—log in to UBS Online  Services to view the 2009  Rewards and Benefits Guides       I do not have a user name  and password—register me  for UBS Online Services   www.ubs.com/rewardscards 1 Air, rail, cruise tickets and car rentals; lodging and dining are not eligible. 2 Rewards points cannot be consolidated across multiple Resource Management Accounts®(RMAs®) or Business Services Account BSAs®. 3 Minimum of $100 in purchases. 4 Banking services are provided by UBS Bank USA and other third-party banks. UBS Financial Services Inc. is a registered broker-dealer and not a bank and does not offer bank accounts. Resource Management Account, RMA and Business Services Account BSA are registered service marks of UBS Financial Services Inc. American Express is a federally registered service mark of American Express and is used by UBS pursuant to a license. The UBS American Express Card is issued and administered by Barclays Bank Delaware. Visa Signature is a registered service mark of Visa International. The UBS Visa Signature credit card is issued by Barclays Bank Delaware pursuant to a license from Visa U.S.A. Incorporated. ©2009 UBS Financial Services Inc. All rights reserved. Member SIPC. UBS Financial Services Inc. is a subsidiary of UBS AG.