frankly. Pillar 3a vs debiX+

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

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.