Your UBS Benefits

At-A-Glance

RX

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UBS offers an array of benefits and resources to
support your well-being
• Physical: So you can focus on staying or getting healthier—or managing a more
serious or chronic challenge.
• Emotional: Recognizing that mental and emotional health are key priorities for us all.
• Financial: To help you manage your day-to-day finances, protect your income and
assets, and save for the future.
• Family: So you can spend less time managing life and more time with those who
matter most to you.

Emotional Financial

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Physical Family

This document is designed to serve as a handy reminder of available benefits and programs.
More details are available on the US Benefits microsite at ubs.com/usbenefits.
 Physical Well-Being
Consumer Directed Health Plan (CDHP) UBS Dental Plan
• Preventive care services covered at 100%, prescription drug • Two dental plan options: Cigna PPO and Cigna DHMO,
benefits, mental health and substance use disorder benefits. including coverage for a broad range of care.
Expert Medical Opinion Program UBS Vision Plan
• Access to top-tier medical care, advice and opinions, • Includes coverage for annual exams, plus an annual
including second opinion support and treatment plan allowance for eyeglasses or contact lenses.
development or review for you and your family, at no Alight Healthcare Navigation
cost to you. • A dedicated Health Pro and suite of tools to help you make
CVS Caremark Advanced Control Specialty Formulary informed benefits choices.1
and Quantity Limits Program Quit For Life Tobacco Cessation Program
• Help managing Rx costs for specialty drugs or medications • Step-by-step program for quitting tobacco provided at
for serious or complex conditions. no cost to you.
Biometric Screenings and Flu Shots Telehealth
• A way to conduct important preventive screenings • Connect with a healthcare provider from the comfort of
from the convenience of your home and continued your home.
support for annual flu shots at no cost to you.
SmileDirectClub
Hospital Indemnity Insurance • Discounted access to an at-home orthodontic option.
• A benefit that can provide financial assistance in the event
of a qualifying hospital or ICU admission. Gympass
• Free access to virtual classes, and discounted membership
for access to gyms, studios, other virtual fitness classes and
personal trainers.

Emotional Well-Being
Work/Life Assistance Program RethinkCare
• CCA@YourService offers free, confidential help to • Support and resources for parents and caregivers of a
all employees and family members, plus emotional child with learning, social, behavioral or developmental
well-being screenings for depression, anxiety and needs, as well as for neurodiverse employees.
other mental health conditions. Onsite Mental Health Counselors
Bereavement Leave • Connect one-on-one with an onsite licensed counselor at
• Up to five days of paid time for bereavement leave the UBS Employee Health Centers, starting January 2023.
after a death, including pregnancy loss. Virtual appointments are also available, depending on
state licensing.
Leave for Victims of Domestic or Sexual Violence,
Sexual Assault or Stalking Support for Transgender Employees and
• Time away if you or a member of your household Family Members
or family is a victim. • Assistance for transgender employees and their family
Headspace members is available from Aetna and Cigna for
participants enrolled in the Core or Core Plus
• Free membership for the mobile app, which offers
medical plan options.
guided meditation and more.
Additional Support
America’s Warrior Partnership
• Help managing health and well-being can be found at
• Support for military-connected employees and families.
goto/wellbeing.
Flexible Work Arrangements
• If you would like to consider a flexible work arrangement,
review the guidelines in the employee handbook and talk
to your manager. Visit goto/flexibleworking.
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Financial Well-Being

Flexible Spending Account Critical Illness Insurance6

• Three accounts to choose from, depending on the medical • Financial protection in a lump sum ($20,000 or $40,000)
plan in which you enroll, and your needs: Healthcare upon diagnosis of a covered illness.
FSA (general purpose), Limited Purpose FSA (dental and Basic Life Insurance
vision), or Dependent Care FSA. In addition, UBS matches • Provided at no cost; coverage equal to 2x BBS (up to
100% of your contribution up to $1,000 per year to your $250,000) for eligible employees.
Dependent Care FSA if you’re eligible to participate and
your 2023 Benefits Base Salary is less than $100,000. Supplemental Life Insurance
• Purchase coverage equal to 1-8x your compensation, up to
Health Savings Account (HSA) $5 million.7
• Opportunity to save for future healthcare expenses with
your own pre-tax contributions as well as contributions Spouse/Partner Life Insurance
from UBS on your behalf. HSA contributions from UBS • Purchase coverage in increments of $25,000, up to
include the annual core contribution of up to $600 and $250,000.8 No evidence of insurability (EOI) requirement
wellness incentives of up to $400 or $800.2 applies during the 2023 Open Enrollment period. EOI will
be required thereafter for coverage over $125,000.
401(k) Plan
• This retirement saving vehicle gives you a way to save Dependent Life Insurance
and invest your before and after-tax contributions, up to • Purchase coverage of $5,000 or $10,000.
maximum IRS deferral limits. UBS provides a company Accidental Death & Dismemberment Insurance
matching contribution of up to $8,000 per year, along • Purchase coverage in increments of $10,000, up to
with a Retirement Contribution equal to a percentage of $1.75 million.
your eligible compensation.3 Visit goto/usbenefits to
learn more. Business Travel Insurance
• Provided at no cost; coverage up to 10x your BBS,
Equity Plus Plan up to $1.25 million, for eligible employees.
• Voluntary after-tax purchase plan that allows eligible
employees to purchase UBS group stock and receive Tuition Assistance Program
one notional share for every three shares purchased. • Up to $8,000 for qualifying employees with at least 6
months of service to further professional development.
Employee Pricing
• Less expensive ways to trade equities and options Group Legal Plan
through your accounts at UBS. • Affordable access to attorneys for certain personal legal
services, now with additional included services for 2023.
UBS Financial Wellness
• Education, digital tools and licensed financial coaches Scholarship Programs
to support informed financial decisions. Learn more at • Available for our employees’ children. Visit the Employee
financialwellness.ubs.com/fw/UBS or +1-888-FIN Handbook at goto/HR for more information.
WELL (+1-888-346-9355). Life Essentials
Short-Term Disability (STD) 4 • As part of our partnership with The Hartford, UBS
• The Firm provides Short-Term Disability coverage for up employees have access to a range of other helpful
to 26 weeks to eligible employees. The STD program services including Funeral Concierge, Beneficiary Assist
(salary continuation) is intended to provide income Counseling, EstateGuidance Will Services, Travel Assistance
protection when an employee is unable to work due with ID Theft Protection, Ability Assist Counseling and
to a non-work related injury, illness or other disability HealthChampion Health Care Support.
including pregnancy.
E ffective January 1, 2023, the STD program will provide Additional details, including terms and conditions
8 - 26 weeks paid at 100% of your current salary based of participation regarding the Benefits Plan
on your years of service, and then 75% of your current components and Policies summarized in this
salary for the remainder of your approved leave duration.
booklet may be found at:
Long-Term Disability (LTD)
• US Benefits microsite at ubs.com/usbenefits
• Basic coverage 50% of LTD Benefits Base Salary up to
• UBS Employee Handbook at goto/HR
$5,000 per month provided at no cost to employees.5
Supplemental LTD coverage option also available. • Summary Plan Descriptions at goto/usbenefits
 Family Well-Being
Fertility Support Grandparent Leave
• UBS provides coverage for voluntary, non-medically • Provides up to three consecutive days paid leave, for
necessary egg retrieval and up to one year of freezing/ eligible employees, following the birth, adoption or
cryopreservation for all employees enrolled in a UBS foster placement of a grandchild.
medical plan and covered dependents, up to a $35,000
Back-Up Child and Adult Care
lifetime maximum.
Whether you need in-home care, or prefer to use a Bright
• A wide range of support, including connection to a variety Horizons center, UBS has a variety of options at your disposal
of available programs, is also available from WINFertility to help with back-up care, up to 20 days per year, including:
and Ovia Health. Learn more at managed.winfertility.
• Priority placement on Bright Horizons center waitlists and
com/ubs or +1-866-329-1224.
tuition discounts at partner centers.
Adoption & Surrogacy Reimbursement Benefit
• Waived membership fees ($150 value) to Sittercity, an
• This benefit reimburses you up to a maximum of $10,000
online database of sitters.
for eligible adoption and/or surrogacy-related expenses,
including coverage for failed attempts. • Discounts on College Nannies, a local nanny
placement service.
Family Concierge Support and Coaching
• Ovia Health offers programs to support the whole Families who require assistance for an adult/elderly family
employee family along the journey from preconception member can schedule a Bright Horizons in-home caretaker.
through parenthood—and across the full spectrum of Center-based care is $20 per child/day. In-home care is $6
women’s health, including through menopause. Virtual per hour (minimum of four hours is required). Up to 20
services and 1:1 coaching are offered on an unlimited annual back-up care days per year combined.
basis through app-based messaging for:
Learn more at careadvantage.com/ubs (Username: UBS |
• P
 re-conception through family firsts, including Password: ubsbackup) or +1-877-BHCARES (+1-877-242-2737).
pregnancy readiness, pre- and post-natal health,
birth plans and lactation. Academic Support
• Through Bright Horizons, employees and their family
• P
 arental well-being, including infant sleep and parent members have access to discounted tutoring, test prep
fatigue, working parents, parenting alone, co-parenting, and enrichment classes from high-quality education
LGBTQ+ support and childcare decision support. partners. This includes access to Sittercity search
• F amily support, including 1:1 virtual health services and tools to find educators who can manage small-group
help finding in-network providers. learning pods.
Milk Stork RethinkCare
• Milk Stork provides resources for breast-feeding mothers • UBS has partnered with RethinkCare to provide support
(when traveling for business) and milk surrogates to pack and resources for parents and caregivers for the care of
and ship their milk. a child with learning, social, behavioral or developmental
needs.
• Milk Stork can help parents identify the breast pump best
for them and assist in ordering a free insurance-provided • The Neurodiversity Inclusion Center provides a variety
pump. There is also support for parents on how to of tools and resources. To learn more, visit
assemble and use their pump once it is received. connect.rethinkcare.com/sponsor/ubs (code: UBS).
Parental Leave & Parental Leave Phase Back
• If you are a new parent, you may be eligible for up to 20
weeks of paid Parental Leave following the birth, adoption
or foster care placement of your child or the child of your
domestic partner.
• You may take Parental Leave in 20 consecutive weeks, or
in two, 10-consecutive week blocks. Employees giving
birth must begin Parental Leave on the date of delivery.
Parental leave must be completed within one year of the
child’s arrival.
• Parental Leave Phase Back can help you ease back into
work after Parental Leave. Employees may choose to return
to work three days per week for the first two weeks, while
being paid at 100%, before resuming a full work week.
NOTES

1. T he receipt of services via Healthcare Navigation or any other benefit outlined herein does not relieve or modify a plan participant’s obligation to comply
with the terms and conditions set forth in the relevant Plan document or Summary Plan Description (SPD). Claims administration procedures contained
in the governing Plan document or SPD for the underlying benefit component shall govern the resolution of any and all claims for benefits and appeals
under UBS’s Group Health and Welfare Plans.

2. You are only eligible to earn up to the maximum wellness contribution (based on your coverage level), no matter how many wellness activities you
participate in. You can earn up to $400 for employee only coverage, and $800 if you cover any family member. Employees and their covered spouses/
domestic partners may earn UBS contributions to the employee’s HSA by completing wellness activities via the MyActiveHealth portal; dependent
children cannot earn incentives. If you cover yourself and a child or children, but not a spouse/domestic partner, you will have access to complete more
wellness activities via MyActiveHealth in order to earn the maximum $800 incentive. Dependent children over the age of 18 can, however, register
and use MyActiveHealth. They just don’t receive the incentive. Eligible employees with a Benefits Base Salary (BBS) of less than $300,000 will get an
automatic UBS contribution—this is the annual core contribution. This contribution amount is not subject to increase or decrease as the result of a
Qualifying Life Event (QLE) within the plan year. UBS contributions to your Health Savings Account are contingent upon your being employed by UBS
on the date the contributions are made to the account.

3. Eligible compensation is defined as your gross eligible earnings prior to certain pre-tax deductions, as determined by the Plan administrator in its sole
discretion. Eligible earnings are (as applicable) your salary and any bonus and commissions. Eligible earnings could also include (as applicable) additional
compensation, some types of recurring awards and supplemental payment. Plan limits and IRS limits apply.

If you are eligible, UBS provides you with a Retirement Contribution equal to a percentage of your eligible compensation. Generally, the percentage is
based on your years of service with UBS as of the beginning of the applicable Plan year. You do not have to contribute to the Plan in order to receive
a Retirement Contribution. You must generally be actively employed by UBS on the last business day of the applicable Plan year in order to receive a
Retirement Contribution; subject to certain exceptions set forth in the 401(k) Plan provided, however, that no Company Retirement Contribution will be
made for any year in which you are credited with contribution credits under the UBS Pension Plan or if you are an “electing grandfathered participant.”
See the SPD for additional details.

4. If you are an eligible participant, and your claim for STD benefits is approved, you may receive benefits in accordance with the terms and conditions
described in the STD brochure.

5. If you are an eligible participant, and your claim for LTD benefits is approved, you may receive benefits in accordance with the terms and conditions of
the LTD Plan. Supplemental LTD coverage is available at employees’ cost.

6. Additional details are available on the US Benefits microsite at ubs.com/usbenefits > Financial Well-being > Other Financial Benefits.

7. Rates are based on your BBS, age, tobacco-user status and the coverage option selected.

8. Rates are based on age and tobacco-user status and the coverage option selected.

This document is designed to provide a high-level overview of certain benefits and programs available to eligible UBS employees. More details can be found
in the legal plan documents that govern these benefits. If there is a conflict between this document and the legal plan documents, the legal plan documents
will govern.

The information in this material does not imply that participation in the plans or the benefit components thereunder is a guarantee of continued employment
with UBS. It also does not imply or guarantee that the plans or the benefit components thereunder will exist or remain unchanged in the future. Nothing
herein creates any vested or contractual rights. As in the past, and as set forth in the applicable plan documents, UBS continues to reserve the right to change
or terminate the plans and the benefit components thereunder at any time in the future including, without limitation, changing coverage levels, deductibles,
coinsurance, and/or your contributions for coverage. Summary Plan Descriptions (SPDs) are documents containing comprehensive descriptions of your benefit
plans, including terms and conditions of participation. These documents can be found on the Alight Worklife website.