Vontobel Wealth vs debiX+

With the Vontobel Wealth App, our solution for mobile banking, you have access to your wealth anytime and anywhere. You can view and analyze your portfolio, enter payments & trade orders, read research and market information, or receive your account statements digitally. In addition, you can communicate directly with your relationship manager in the app - all via a secure and encrypted connection that meets the highest security standards. The main functions and contents of the Vontobel Wealth App include*: • Portfolio and account overview, including asset analysis by asset classes and currencies, performance overview and transaction details • Entering of payments and trade orders • Receiving and processing individual investment proposals • Secure communication channel with your customer advisor • Digital mailbox for receiving account documents • Digital signing of contracts • Research information on markets and individual financial instruments • News articles on interesting topics related to finance • Current price information on various markets and investments Requirements To be able to use e-banking, you need to have a client relationship with Vontobel. To access Vontobel Wealth app contact your relationship manager or our hotline: from Switzerland: 0800 700 780; from abroad: 00800 7000 7800; from abroad (subject to charges): +41 58 283 66 00 Security Secure data encryption technology is used during data transfer in order to protect against unauthorized access by third parties. When choosing your personal password, please make sure it complies with the minimum requirements for password security and with Section "User's duty of care" in the Framework Agreement on the Use of Electronic Services of Vontobel. Legal Disclaimer The Vontobel Wealth App must not be accessed by any person who is in particular due to its nationality, domicile or (temporary or permanent) residence subject to a jurisdiction in which the publication of the content of the Vontobel Wealth App or the access to it is prohibited for any reason. Persons to whom these restrictions apply are expressly prohibited from accessing the Vontobel Wealth App. We wish to point out that by downloading, installing and/or utilizing this app and, in connection therewith, through points of reference to third parties (e.g. Apple Inc., Google Inc., network operators, device manufacturer) it may be possible to deduce a client relationship with Vontobel. Please consider the Term of Use and the Privacy Policy of Vontobel do also apply for this app. *Depending on the clients domicile or product some functionalities may vary. Where necessary certain functionalities may not be offered.

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.