VIAC vs frankly. Pillar 3a

The best financial products in one app VIAC - Your securities solution for investment plans, pillar 3a and vested benefits Discover a simple and cost-effective way to invest with VIAC. Our app offers maximum flexibility and expert support to help you achieve your financial goals. Why invest with VIAC? • Cost-effective with low entry barriers: Invest from as little as CHF 1 - with no minimum deposit, minimum fee or minimum term. • Simple and clean app: Intuitive handling and clear structure for a seamless user experience. • Expert support: Our team is available by phone, chat or email to answer all your questions. • Maximum flexibility: Customize your investment strategy - from interest-bearing accounts to 99% equities, broadly diversified with passive, index-based instruments. Adjust your strategy at any time - at no extra cost. VIAC Life Protect your future: with VIAC Life Basic you receive up to 25% in addition to your savings as a 3a or VB customer in the event of disability or death. With VIAC Life Plus, you can add additional coverage directly in the app. VIAC Mortgage Benefit from exclusive and fair mortgages with top interest rates as a VIAC customer. Download the VIAC app now and benefit!

Pillar 3a made easy. With frankly, the digital pension solution – developed by Zürcher Kantonalbank. You can open your pillar 3a or vested benefits account quickly and conveniently without visiting the bank either via the app or via your computer or tablet. You can now also select a cash strategy with no price risk. frankly, the new retirement planning app from the Savings 3 Pension Foundation of Zürcher Kantonalbank, is aimed exclusively at Swiss residents. Download the vested benefits and pillar 3a app free of charge now and get started. The frankly advantages: • Open an account in just a few minutes All you need is a smartphone and an ID card, and you’re ready to start. Of course, we’ll help you every step of the way. By the way, it’s also easy to use frankly via your computer or tablet. • Clear & simple – fully digital We are completely rethinking the retirement planning, which is why you can carry out your 3a retirement planning and vested benefits directly in the frankly app and check your account performance at any time. • Deposit as little as CHF 1 You decide yourself how much you want to deposit in your pillar 3a account. There is no minimum deposit and no minimum term. • You save taxes With every franc you pay into your pillar 3a retirement savings plan, you reduce your taxable income (up to t he maximum amount) and therefore save on taxes! This means you benefit twice over. • Investment products selected by you The ultimate goal is to build up your assets. You decide with your strategy how much risk you want to take. No matter whether you want to save in cash with no price risk or invest in securities while taking advantage of potential returns, there's something for everyone. • Easy to switch Do you already have a pillar 3a or vested benefits solution? We offer you an easy, free transfer service. We pay your transaction fees and account closing costs (applies to the transfer of pillar 3a accounts from bank foundations). • frankly is cost-effective frankly also doesn’t charge any all-in fee (the current all-in-fee is 0.43%) on your account assets. With frankly, you can expect no securities custody fees and no flat-rate administrative fees for the investment product; they are included in the current all-in-fee of 0.43%. Saving securities with frankly is half the price of comparable offers. Please note that issue and redemption charges apply in favour of the fund for the indexed investment products in particular and these are not included in the all-in fee (current all-in-fee is 0.43%). You can find an exact definition of the all-in fee in the FAQs. • Our community discount The greater the number of customers who use frankly, the cheaper the all-in fee of currently 0.43% becomes for everyone. frankly will become even cheaper with more users. Planning your private pension like this is fun. • Our community discount The greater the number of customers who use frankly, the cheaper the all-in fee of currently 0.43% becomes for everyone. frankly will become even cheaper with more users. Planning your private pension like this is fun. • Security and experience frankly was developed by Zürcher Kantonalbank for its pension foundation. Further information on the pillar 3a and vested benefits app, including pension calculator: www.frankly.ch Sparen 3 pension foundation of Zürcher Kantonalbank Bahnhofstrasse 9 8001 Zürich Zürcher Kantonalbank Vested Benefits Foundation Bahnhofstrasse 9 8001 Zurich Zürcher Kantonalbank Vested Benefits Foundation II Bahnhofstrasse 9 8001 Zurich