Julius Baer Mobile vs debiX+

The Julius Baer Mobile app (App) provides convenient, easy to use and secure access to your financial information for e-Services in Switzerland, Luxembourg, Monaco, Hong Kong, Singapore, India and Germany. E-SERVICES SWITZERLAND Julius Baer Mobile Banking This service is accessible for clients of Julius Baer with a valid User-ID for e-Banking Switzerland (J00000). Main features • Activation of up to four mobile devices • Secure e-Banking login on your computer: Thanks to advanced push TAN technology • Assets: Account balances and portfolio performance charts all in one place • E-Documents and secure messaging: Receive your banking documents electronically and communicate secure with your relationship manager or specialist • Personalization: Customized e-mail, text message and push notifications, ensuring that the most important information on your assets is sent to you automatically • Payments: Quick and easy payments with scanner for smartphones and ‘quick payment’ options. • Trading: A broad range of trading capabilities on the major stock markets • Receive the latest assessments by our qualified research specialists Julius Baer Market Link – Online Trading This service is accessible for clients of Julius Baer Switzerland with a valid User-ID for Market Link (0000000). Access to Julius Baer’s online trading platform. With financial instruments across most asset classes, it offers you direct access to global financial markets 24 hours a day. As a client you can • Keep up with the markets around the clock • Trade across various exchanges and asset classes • Have all major financial markets at your fingertips E-SERVICES EUROPE (Luxembourg, Monaco, Germany) This service is accessible for clients of Julius Baer with a valid User-ID for e-Services Europe (AAA000) or (C00000). For some areas, E-Services Europe gives you access to your financial data such as portfolio, asset overview and allows you to communicate with your relationship manager through a secure channel. E-SERVICES ASIA This App is available to existing customers only. Some restrictions might apply due to place of residency or services ordered. The above-mentioned features may not be available in all countries or may require the signature of further agreements. Please note that by downloading, installing and/or using this application you allow and give your consent to Julius Baer and/or third parties (e.g. app store and network operators or the manufacturer of your device), wherever they are located, to access and process your data and/or to conclude that a current, past or potential bank client relationship with Julius Baer may exist and/or to draw conclusions as to your existing or potential investments. Bank client confidentiality and/or data protection can no longer be guaranteed in the event of such possible disclosure of data and/or the bank client relationship. IN THIS REGARD, BY DOWNLOADING, INSTALLING AND/OR USING THIS APPLICATION, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THIS NOTICE AND RELEASE JULIUS BAER FROM ITS DUTY TO MAINTAIN BANK CLIENT CONFIDENTIALITY AND/OR DATA PROTECTION AND EXPRESSLY FULLY APPROVE THE RESPECTIVE COLLECTION, TRANSFER AND PROCESSING OF DATA IN COMPLIANCE WITH THE APPLICABLE LAWS. Asia By downloading and using this App, you expressly acknowledge that you are permitted by the laws of your domicile to use the App and access any of the services provided therein and you do so at your own will and not at the request of Julius Baer, and you agree to be bound by the terms and conditions relating to the App. Chile The Bank has its headquarters in Switzerland and its operations are subject to the laws, regulations and courts of Switzerland. The Bank is not subject to Chilean authorities and its operations are not covered by the guaranty of the Republic of Chile.

PREREQUISITE: You need a registration code (OTRC) to link your debit card or TWINT account to the app. You will receive the OTRC code from your bank. IMPORTANT: SIX will never ask you to disclose your card or login details via email, phone or SMS. Once successfully registered, you can benefit from the new digital features associated with your debit card or use security-related TWINT functions. The app ensures maximum security through hardened native app frameworks and 2-factor biometric authentication methods. Easy and secure online purchases: - Authorize online purchases using the secure 3D Secure procedure directly in the app. - Using biometrics, you can approve 3D Secure payments even more easily. - Debit card not at hand right now to make an online payment? No problem, look up your card details directly in the app. Keep an eye on your debit card transactions: - Overview of all debit card transactions in the last 100 days and max. 200 transactions (more account transactions can be found in your e-Banking). - Debit card transactions are immediately displayed to you as a push notification. - Set limits for push notifications Keep track of and manage your digital debit cards: - Shows which online provider or wallet your debit card is digitally deposited with. - You can block and unblock the digitally deposited debit card or delete it altogether. - An existing subscription is not affected by a block or cancellation. The merchant cannot make a charge to a blocked or deleted digital debit card and no transaction can be made at the payment wallet. - Give your debit card a name to better distinguish it from the others. - Look up the details of the debit card directly in the app if you don't have the physical card at hand. Mobile Payments - Did you know you can also use your debit card to make contactless payments with your smartphone? - Deposit your debit card from the app directly into the payment wallet on your device if your bank is setup for it. - Pay at all NFC terminals worldwide without opening the app for it. Card settings: - You can use the card settings to influence online shopping, cash withdrawals at ATMs, transactions to gambling & betting or contactless payment (if your bank is enabled for it). - Give your debit card a name in your card settings. This helps especially if you have multiple debit cards. - Remove individual debit cards from the app in your card's settings if needed. Please note that you will need a new OTRC code from your bank if you want to register the debit card in the app again. - Look up the debit card details directly in the app if you don't have the physical card handy. - Change your debit card PIN directly in the app. For a virtual debit card, the PIN is active immediately. If you have a physical debit card, you need to use the new PIN to withdraw money once at ATMs (not Postomats) or to make a balance inquiry so that you can pay in stores with the PIN. TWINT: Link your TWINT account to the debiX+ app to confirm the execution of security-critical TWINT functions (e.g., re-registration or the authorization of certain payments). NOTE: debiX+ works for Visa Debit and Debit Mastercard cardholders from selected banks in Switzerland and Liechtenstein, and for TWINT accounts from selected banks in Switzerland.