UBS TWINT vs SECANDA

UBS TWINT is the most widely used mobile payment app in Switzerland: send and receive money digitally with your smartphone – discover the advantages of contactless payment with UBS TWINT. With well over one million registrations, UBS TWINT is the Swiss no. 1 mobile payment service and Switzerland’s digital cash. Paying digitally, sending money directly to or receiving money from friends has never been easier. Paying for parking without coins or shopping at Coop and Migros without cash is no problem via the app. WHAT TWINT CAN DO Pay cashless at the register: Conveniently pay cashless with your smartphone in the store, restaurant, farm shop, etc., at any card terminal with QR codes. Send, receive and request money: Send, request and receive money quickly and securely via smartphone to and from friends, family and colleagues. Pay in online stores: Save valuable time when shopping online, scan the QR code at checkout, or switch to the TWINT app to authorize the payment. In-app payment: Save TWINT as a secure method of payment in other apps, such as SBB, Fairtiq, Migros and many more. KeyClub points: Collect valuable points when paying via TWINT using the registered UBS Credit Card. Pay parking fees: Pay parking fees at public parking lots by using location tracking in the app or QR code on the parking meter. Vouchers & credit: Buy, send and receive digital vouchers and credit for yourself or as a gift with just a few clicks. Donate: Donate money to Swiss aid organizations and their projects for charitable purposes. Withdraw cash: Sometimes you can only pay with cash. That’s why TWINT has integrated “Sonect.” It allows you to get cash quickly and easily using the “Withdraw cash” feature, without the need for an ATM. Benefit from Super Deals: Every week you can benefit from new discount offers in the “Super Deals” partner feature. Order coffee: Order new coffee supplies directly in TWINT using the app or the QR code on the Nespresso machine. . . . and much more. SECURE IS SECURE • Meets the security standards of Swiss banks • All data remains in Switzerland • Protected by 6-digit PIN or fingerprint • The UBS TWINT account can be blocked at any time UBS Switzerland AG has only made the UBS TWINT app (“app”) available to the following persons, for whom it was exclusively designed: For (i) existing clients of UBS Switzerland AG and existing clients of other non-US subsidiaries of UBS Group AG who are domiciled in Switzerland, and (ii) natural persons who are domiciled in Switzerland. The fact that the app can be downloaded from non-Swiss app stores does not constitute an invitation, offer or recommendation to enter into a transaction, nor should it be construed as an invitation or offer to enter into a client relationship between the person downloading the app and UBS Group AG companies. The app is not intended for and cannot be used by persons resident in Australia or the USA. ADDITIONAL INFORMATION http://www.ubs.com/twint

SECANDA – Your All-in-One Digital ID & Wallet Simplify your life with SECANDA! Our secure, user-friendly app is designed to handle all your digital identification and payment needs with just one tap. Instantly check balances, transfer funds, and manage finances on the go—while enjoying total peace of mind. MAIN FEATURES - SECANDA ID: Protect your digital identity with secure access and robust authentication. - SECANDA PAY: Pay anytime, anywhere with lightning-fast transactions—no hassle, no stress. - Easy Top-Ups: Add funds from multiple payment methods (Visa, Mastercard, Twint, and more) anytime. - Real-Time Transfers: Send and receive money in seconds via email or QR code, perfect for friends and family. - Expense Tracking: Stay on top of your finances with clear insights and transaction overviews. - Quick Onboarding: Set up your account in minutes for seamless, immediate access to all features. - Reclaim Funds Anytime: Withdraw or retrieve your money easily whenever you need it. - Family Control: Manage and monitor your children’s spending, ensuring their funds are always safe. - Enhanced Security: Benefit from industry-leading encryption and robust data protection at every tap. ABOUT US For more than 30 years, SECANDA has specialized in cutting-edge RFID technology, delivering innovative identification and payment solutions across diverse sectors—industry, education, and healthcare. From secure ID management and contactless payments to advanced access control, our mission is to simplify your everyday tasks while maintaining the highest levels of security and reliability. Experience the future of digital identification and secure payments—download the SECANDA App today!