Common use of General Remarks Clause in Contracts

General Remarks. The choice of the appropriate investment strategy requires a careful examination of your personal risk capacity and risk tolerance. The risk appetite, investment objectives and investment time horizon are the bases for the choice of your personal investment strategy. The following questions are intended to assist you in making your choice of strategy. Knowledge and experience 1. What knowledge do you have of investing in securities? Basic knowledge Advanced knowledge Comprehensive knowledge 2. What practical experience do you have in investing in securities? none or little experience medium experience extensive experience Risk profile Questions on risk capacity 1. What is your primary aim with the investment of your pension capital? Preservation of capital (limited risk of loss but also limited potential for appreciation in value) 2 P. Combination of preservation of capital and asset growth 4 P. Asset growth (greater potential for appreciation in value with increased risk of loss) 6 P. 2. When do you anticipate withdrawing all or some of your pension capital? less than 3 years 2 P. 4 to 8 years 4 P. 9 to 15 years 6 P. more than 15 years 8 P. 3. What percentage of your total assets does your pension capital currently represent? >75% 2 P. 51% - 75% 4 P. 25% - 50% 6 P. < 25% 8 P. Questions on risk tolerance 1. How high is your risk tolerance in the event of negative fluctuations in value? I do not wish to accept any temporary negative developments in prices. 0 P. up to approx. 10% decline in value 2 P. up to approx. 20% decline in value 4 P. up to approx. 30% decline in value 6 P. > 30% decline in value 8 P. 2. How would you react if your pension capital were to temporarily lose 15% in value? immediately sell all securities 0 P. switch to a more conservative investment strategy 2 P. stay with the chosen investment strategy 6 P. switch to a higher risk investment strategy 8 P. 3. With which of the following price developments do you feel comfortable? Price development A (2 P.) Price development B (6 P.) Price development C (8 P.) Risk profile analysis Total points for risk capacity: ..................................... Total points for risk tolerance: ………………………… Risk classes (The lower total number of points from risk capacity and risk tolerance determines your risk class): very low (≤ 5 points) represents a low-risk investment strategy or savings account solution low (6-9 points) represents the «Defensive» investment strategy (max. 25% equities) medium (10-13 points) represents the «Balanced» investment strategy (max. 45% equities) high (14-17 points) represents the «Growth» investment strategy (max. 65% equities) very high (≥ 18 points) represents the «Dynamic» investment strategy (max. 85% equities) Choice of your personal investment strategy In deviation from the risk profile determined above, you wish to invest your pension capital in the next higher risk class. You are aware of the increased investment risks and are prepared to accept these. Switching to a higher risk class is only permitted if the questions about "Knowledge and Experience" were not answered with "Basic knowledge" and "none or little experience". Your choice of investment strategy The PensFree Foundation requires a signed strategy sheet for the opening of a vested benefits account or vested benefits deposit account. For the investments of your retirement assets, you have several investment strategies at disposal. The assets of the PensFree Foundation are invested according to the BVV2 investment guidelines and the investment regulations of the PensFree Foundation. Pension account holders who have a corresponding risk profile may make use of the provisions on expansion in accordance with Art. 50 Para. 4 BVV 2/OPP 2. The pension account holder confirms that he has been informed of the risks involved and possesses the corresponding risk profile. In the column «max. weighting wo/w extension» you can see the corresponding, maximum possible weightings - without or with extension. Asset Trading currency Risk currency* ISIN max. weighting wo/w extension Allocation Total UBS (CH) Money Market Fund-CHF CHF CHF CH0048799099 ☐ % UBS AST Obligationen CHF Indexiert I-A1 CHF CHF CH0135670070 ☐ % UBS AST Obligationen – Fremdwährungen Global Indexiert (hedged in CHF) I-A1 CHF CHF CH0273755501 ☐ % UBS AST Obligationen – Global Corporates Indexiert (hedged in CHF) II I-A1 CHF CHF CH0281609138 ☐ % Total Bonds 100% % UBS AST Aktien Schweiz AII Indexiert II I-A1 CHF CHF CH0281609328 max. 25% ☐ % UBS (CH) Investment Fund - Equities Switzerland Passive Large I-A1 CHF CHF CH0015709626 ☐ % UBS (CH) Institutional Fund - Equities Switzerland Small & Mid Cap Passive II I-A1 CHF CHF CH0302288847 ☐ % UBS (CH) Equity Fund - Swiss High Dividend (CHF) I-A1 CHF CHF CH0205552091 ☐ % UBS AST 2 Global Equities (ex CH) Passive II (hedged in CHF) I-A1 CHF CHF CH0147419656 ☐ % UBS AST 2 Global Equities (ex CH) Passive II I-A1 CHF USD CH0238494055 ☐ % UBS AST 2 Global Equities Small Cap (ex CH) Passive (hedged in CHF) II I-A1 CHF CHF CH0275372958 ☐ % UBS (Lux) Equity SICAV - Global High Dividend Sustainable (USD) (CHF hedged) I-A1-acc CHF CHF LU0858845737 ☐ % UBS (CH) Institutional Fund - Equities Emerging Markets Global Passive II (CHF) I-A1 CHF USD CH0252809709 ☐ % Total Equities 50% 85% % UBS AST Immoparts Schweiz I-A1 CHF CHF CH0117646163 max. 1/3 Real Estates abroad ☐ % UBS (CH) Institutional Fund 3 - Swiss Real Estate Securities Selection Passive II I-A1 CHF CHF CH0042114261 ☐ % UBS (CH) Institutional Fund – Global Real Estate Securities Passive II (hedged in CHF) I-A1 CHF CHF CH0021980898 ☐ % UBS (Lux) Real Estate Funds Selection - Global (CHF hedged) I-102-acc CHF CHF LU0498016020 ☐ % Total Real Estates 30% 40% % UBS ETF (CH) Gold (CHF) hedged (CHF) A-dis CHF CHF CH0106027128 5% 5% ☐ % UBS (CH) Institutional Fund 3 – Commodities Constant Maturity (hedged in CHF) II I-A1 CHF CHF CH0126480547 10% 10% ☐ % Total Alternative Investments 15% 40% % Overall % * min. 70% CHF; according to extension provisions up to min. 50% CHF Final remarks By signing this document, you confirm that you have answered all questions truthfully and that you have been informed about the risks and the costs of the selected investment strategy. You also acknowledge that the investment in securities may result in price losses. These may have to be realized promptly in the event of retirement (death and disability). You alone bear the investment risk. There is no entitlement to a minimum interest rate or to capital value preservation. In the event of changes in your life situation that have a direct influence on the selected investment strategy (taking up self- employment, retirement, divorce, etc.), you are obliged to carry out a new risk assessment. The investment regulations form an integral part of this strategy sheet. ..................................................................................... .......................................................................... Place/Date Signature Pension Beneficiary ..................................................................................... .......................................................................... Place/Date Signature Vested Benefits Foundation PensFree Payment instructions PensFree Vested Benefits Foundation UBS Switzerland AG 1211 Genève In favour of: PensFree Vested Benefits Foundation, Xxxxxxxxxxx 00, XX-0000 Xxxxxx XXXX XX00 0000 0000 0000 0000 X Remarks: Surname / Name / Date of birth Please send a copy of the statement of withdrawal to the following address: PensFree Vested Benefits Foundation Xxxxxxxxxxx 00 0000 Xxxxxx Xxxxxxxxxxx Receipt Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AG, PensFree Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address) Currency Amount CHF Payment part Currency Amount CHF Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AG, PensFree Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address)

General Remarks. The choice of the appropriate investment strategy requires a careful examination of your personal risk capacity and risk tolerance. The risk appetite, investment objectives and investment time horizon are the bases for the choice of your personal investment strategy. The following questions are intended to assist you in making your choice of strategy. Knowledge and experience 1. What knowledge do you have of investing in securities? Basic knowledge Advanced knowledge Comprehensive knowledge 2. What practical experience do you have in investing in securities? none or little experience medium experience extensive experience Risk profile Questions on risk capacity 1. What is your primary aim with the investment of your pension capital? Preservation of capital (limited risk of loss but also limited potential for appreciation in value) 2 P. Combination of preservation of capital and asset growth 4 P. Asset growth (greater potential for appreciation in value with increased risk of loss) 6 P. 2. When do you anticipate withdrawing all or some of your pension capital? less than 3 years 2 P. 4 to 8 years 4 P. 9 to 15 years 6 P. more than 15 years 8 P. 3. What percentage of your total assets does your pension capital currently represent? >75% 2 P. 51% - 75% 4 P. 25% - 50% 6 P. < 25% 8 P. Questions on risk tolerance 1. How high is your risk tolerance in the event of negative fluctuations in value? I do not wish to accept any temporary negative developments in prices. 0 P. up to approx. 10% decline in value 2 P. up to approx. 20% decline in value 4 P. up to approx. 30% decline in value 6 P. > 30% decline in value 8 P. 2. How would you react react, if your pension capital were to temporarily lose 15% in value? immediately sell all securities 0 P. switch to a more conservative investment strategy 2 P. stay with the chosen investment strategy 6 P. switch to a higher risk investment strategy 8 P. 3. With which of the following price developments do you feel comfortable? Price development A (2 P.) Price development B (6 P.) Price development C (8 P.) Risk profile analysis Total points for risk capacity: ..................................... Total points for risk tolerance: ………………………… Risk classes (The lower total number of points from risk capacity and risk tolerance determines your risk class): very low (≤ 5 points) represents a low-risk investment strategy or savings account solution low (6-9 points) represents the «Defensive» investment strategy (max. 25% equities) medium (10-13 points) represents the «Balanced» investment strategy (max. 45% equities) high (14-17 points) represents the «Growth» investment strategy (max. 65% equities) very high (≥ 18 points) represents the «Dynamic» investment strategy (max. 85% equities) Choice of your personal investment strategy In deviation from the risk profile determined above, you wish to invest your pension capital in the next higher risk class. You are aware of the increased investment risks and are prepared to accept these. Switching to a higher risk class is only permitted if the questions about "Knowledge and Experience" were not answered with "Basic knowledge" and "none or little experience". Your choice of investment strategy Die The PensFree Independent Foundation requires a signed strategy sheet for the opening of a vested benefits account or vested benefits deposit account. For the investments of your retirement assets, you have several investment strategies at disposal. The assets of the PensFree Independent Foundation are invested according to the BVV2 investment guidelines and the investment regulations of the PensFree Independent Foundation. Pension account holders who have a corresponding risk profile may make use of the provisions on expansion in accordance with Art. 50 Para. 4 BVV 2/OPP 2. The pension account holder confirms that he has been informed of the risks involved and possesses the corresponding risk profile. In the column «maxInvestment strategy Investment style & -vessel Min. weighting wo/w extension» you can see the corresponding, maximum possible weightings - without or with extensionScore Valor-Nr. Asset Trading currency Risk currency* ISIN max. weighting wo/w extension Allocation Total Strategic Equity share Low risk ☐ % UBS (CH) Money Market Fund-Fund- CHF CHF CHF CH0048799099 0 4'879’909 0% Defensiv ☐ % UBS Vitainvest Passive 25 Sustainable 6 111’013’412 ca. 25% ☐ % UBS AST Obligationen CHF Indexiert I-A1 CHF CHF CH0135670070 BVG-25 Aktiv Plus 11’763’814 ca. 25% ☐ % UBS AST Obligationen – Fremdwährungen Global BVG-25 Indexiert (hedged in CHF) I11'764’418 ca. 25% ☐ % Swisscanto AST Avant BVG 10 DT 287’524 ca. 10% ☐ % Swisscanto AST Avant BVG 25 DT 694’458 ca. 25% ☐ % IST Mixta Optima 25 2‘903‘143 ca. 25% ☐ % CSA 2 Mixta-A1 CHF CHF CH0273755501 BVG 25 887’902 ca. 25% Balanced ☐ % UBS AST Obligationen – Global Corporates BVG-40 Active Plus 10 11'763’878 ca. 40% ☐ % UBS AST BVG-40 Indexiert (hedged in CHF) II I-A1 CHF CHF CH0281609138 11'764'612 ca. 40% ☐ % Total Bonds 100Swisscanto AST Avant BVG 45 DT 287’590 ca. 40% ☐ % IST Mixta Optima 35 2‘903‘150 ca. 35% ☐ % CSA 2 Mixta-BVG 45 887’909 ca. 45% Growth ☐ % UBS AST Aktien Schweiz AII Indexiert II I-A1 CHF CHF CH0281609328 maxVitainvest Passive 50 Sustainable 14 111’013’413 ca. 2550% Dynamic ☐ % UBS Vitainvest Passive 75 Sustainable 18 111’013’414 ca. 75% ☐ % UBS (CH) Investment Fund - Equities Switzerland Vitainvest Passive Large I-A1 CHF CHF CH0015709626 ☐ % UBS (CH) Institutional Fund - Equities Switzerland Small & Mid Cap Passive II I-A1 CHF CHF CH0302288847 ☐ % UBS (CH) Equity Fund - Swiss High Dividend (CHF) I-A1 CHF CHF CH0205552091 ☐ % UBS AST 2 Global Equities (ex CH) Passive II (hedged in CHF) I-A1 CHF CHF CH0147419656 ☐ % UBS AST 2 Global Equities (ex CH) Passive II I-A1 CHF USD CH0238494055 ☐ % UBS AST 2 Global Equities Small Cap (ex CH) Passive (hedged in CHF) II I-A1 CHF CHF CH0275372958 ☐ % UBS (Lux) Equity SICAV - Global High Dividend 100 Sustainable (USD) (CHF hedged) I-A1-acc CHF CHF LU0858845737 ☐ % UBS (CH) Institutional Fund - Equities Emerging Markets Global Passive II (CHF) I-A1 CHF USD CH0252809709 ☐ % Total Equities 50% max. 85% % UBS AST Immoparts Schweiz I-A1 CHF CHF CH0117646163 maxAllokation) 111’013’415 ca. 1/3 Real Estates abroad ☐ % UBS (CH) Institutional Fund 3 - Swiss Real Estate Securities Selection Passive II I-A1 CHF CHF CH0042114261 ☐ % UBS (CH) Institutional Fund – Global Real Estate Securities Passive II (hedged in CHF) I-A1 CHF CHF CH0021980898 ☐ % UBS (Lux) Real Estate Funds Selection - Global (CHF hedged) I-102-acc CHF CHF LU0498016020 ☐ % Total Real Estates 30% 40% % UBS ETF (CH) Gold (CHF) hedged (CHF) A-dis CHF CHF CH0106027128 5% 5100% ☐ % UBS (CH) Institutional Fund 3 – Commodities Constant Maturity (hedged in CHF) II I-A1 Swisscanto Vorsorge Fonds 75 Passiv VT CHF CHF CH0126480547 1035'369’090 ca. 75% 10% ☐ % Total Alternative Investments 15% 40% % Overall % * min. 70% CHF; according to extension provisions up to min. 50% CHF Final remarks By signing this document, you confirm that you have answered all questions truthfully and that you have been informed about the risks and the costs of the selected investment strategy. You also acknowledge that the investment in securities may result in price losses. These may have to be realized promptly in the event of retirement (death and disability). You alone bear the investment risk. There is no entitlement to a minimum interest rate or to capital value preservation. In the event of changes in your life situation that have a direct influence on the selected investment strategy (taking up self- self-employment, retirement, divorce, etc.), you are obliged to carry out a new risk assessment. The investment regulations form an integral part of this strategy sheet. ..................................................................................... .......................................................................... Place/Date Signature Pension Beneficiary ..................................................................................... .......................................................................... Place/Date Signature Vested Benefits Foundation PensFree Independent Payment instructions PensFree I Independent Vested Benefits Foundation UBS Switzerland AG 1211 Genève 6002 Lucerne Clearing 248 In favour of: PensFree Independent Vested Benefits Foundation, Xxxxxxxxxxx 00, XX-0000 Xxxxxx XXXX IBAN XX00 0000 0000 0000 0000 X Remarks: Surname / Name / Date Year of birth Birth Please send a copy of the statement of withdrawal to the following address: PensFree Independent Vested Benefits Foundation Xxxxxxxxxxx 00 0000 Xxxxxx Xxxxxxxxxxx Receipt Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AGAG , PensFree Independent Vested Benefits Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address) Currency Amount CHF Payment part Currency Amount CHF Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AGAG , PensFree Independent Vested Benefits Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address)

General Remarks. The choice of the appropriate investment strategy requires a careful examination of your personal risk capacity and risk tolerance. The risk appetite, investment objectives and investment time horizon are the bases for the choice of your personal investment strategy. The following questions are intended to assist you in making your choice of strategy. Knowledge and experience 1. What knowledge do you have of investing in securities? Basic knowledge Advanced knowledge Comprehensive knowledge 2. What practical experience do you have in investing in securities? none or little experience medium experience extensive experience Risk profile Questions on risk capacity 1. What is your primary aim with the investment of your pension capital? Preservation of capital (limited risk of loss but also limited potential for appreciation in value) 2 P. Combination of preservation of capital and asset growth 4 P. Asset growth (greater potential for appreciation in value with increased risk of loss) 6 P. 2. When do you anticipate withdrawing all or some of your pension capital? less than 3 years 2 P. 4 to 8 years 4 P. 9 to 15 years 6 P. more than 15 years 8 P. 3. What percentage of your total assets does your pension capital currently represent? >75% 2 P. 51% - 75% 4 P. 25% - 50% 6 P. < 25% 8 P. Questions on risk tolerance 1. How high is your risk tolerance in the event of negative fluctuations in value? I do not wish to accept any temporary negative developments in prices. 0 P. up to approx. 10% decline in value 2 P. up to approx. 20% decline in value 4 P. up to approx. 30% decline in value 6 P. > 30% decline in value 8 P. 2. How would you react if your pension capital were to temporarily lose 15% in value? immediately sell all securities 0 P. switch to a more conservative investment strategy 2 P. stay with the chosen investment strategy 6 P. switch to a higher risk investment strategy 8 P. 3. With which of the following price developments do you feel comfortable? Price development A (2 P.) Price development B (6 P.) Price development C (8 P.) Risk profile analysis Total points for risk capacity: ..................................... Total points for risk tolerance: ………………………… Risk classes (The lower total number of points from risk capacity and risk tolerance determines your risk class): very low (≤ 5 points) represents a low-risk investment strategy or savings account solution low (6-9 points) represents the «Defensive» investment strategy (max. 25% equities) medium (10-13 points) represents the «Balanced» investment strategy (max. 45% equities) high (14-17 points) represents the «Growth» investment strategy (max. 65% equities) very high (≥ 18 points) represents the «Dynamic» investment strategy (max. 85% equities) Choice of your personal investment strategy In deviation from the risk profile determined above, you wish to invest your pension capital in the next higher risk class. You are aware of the increased investment risks and are prepared to accept these. Switching to a higher risk class is only permitted if the questions about "Knowledge and Experience" were not answered with "Basic knowledge" and "none or little experience". Your choice of investment strategy The PensFree Foundation requires a signed strategy sheet for the opening of a vested benefits account or vested benefits deposit account. For the investments of your retirement assets, you have several investment strategies at disposal. The assets of the PensFree Foundation are invested according to the BVV2 investment guidelines and the investment regulations of the PensFree Foundation. Pension account holders who have a corresponding risk profile may make use of the provisions on expansion in accordance with Art. 50 Para. 4 BVV 2/OPP 2. The pension account holder confirms that he has been informed of the risks involved and possesses the corresponding risk profile. In the column «max. weighting wo/w extension» you can see the corresponding, maximum possible weightings - without or with extension. Asset Trading currency Risk currency* ISIN max. weighting wo/w extension Allocation Total UBS (CH) Money Market Fund-CHF CHF CHF CH0048799099 ☐ % UBS AST Obligationen CHF Indexiert I-A1 CHF CHF CH0135670070 ☐ % UBS AST Obligationen – Fremdwährungen Global Indexiert (hedged in CHF) I-A1 CHF CHF CH0273755501 ☐ % UBS AST Obligationen – Global Corporates Indexiert (hedged in CHF) II I-A1 CHF CHF CH0281609138 ☐ % Total Bonds 100% % UBS AST Aktien Schweiz AII Indexiert II I-A1 CHF CHF CH0281609328 max. 25% ☐ % UBS (CH) Investment Fund - Equities Switzerland Passive Large I-A1 CHF CHF CH0015709626 ☐ % UBS (CH) Institutional Fund - Equities Switzerland Small & Mid Cap Passive II I-A1 CHF CHF CH0302288847 ☐ % UBS (CH) Equity Fund - Swiss High Dividend (CHF) I-A1 CHF CHF CH0205552091 ☐ % UBS AST 2 Global Equities (ex CH) Passive II (hedged in CHF) I-A1 CHF CHF CH0147419656 ☐ % UBS AST 2 Global Equities (ex CH) Passive II I-A1 CHF USD CH0238494055 ☐ % UBS AST 2 Global Equities Small Cap (ex CH) Passive (hedged in CHF) II I-A1 CHF CHF CH0275372958 ☐ % UBS (Lux) Equity SICAV - Global High Dividend Sustainable (USD) (CHF hedged) I-A1-acc CHF CHF LU0858845737 ☐ % UBS (CH) Institutional Fund - Equities Emerging Markets Global Passive II (CHF) I-A1 CHF USD CH0252809709 ☐ % Total Equities 50% 85% % UBS AST Immoparts Schweiz I-A1 CHF CHF CH0117646163 max. 1/3 Real Estates abroad ☐ % UBS (CH) Institutional Fund 3 - Swiss Real Estate Securities Selection Passive II I-A1 CHF CHF CH0042114261 ☐ % UBS (CH) Institutional Fund – Global Real Estate Securities Passive II (hedged in CHF) I-A1 CHF CHF CH0021980898 ☐ % UBS (Lux) Real Estate Funds Selection - Global (CHF hedged) I-102-acc CHF CHF LU0498016020 ☐ % Total Real Estates 30% 40% % UBS ETF (CH) Gold (CHF) hedged (CHF) A-dis CHF CHF CH0106027128 5% 5% ☐ % UBS (CH) Institutional Fund 3 – Commodities Constant Maturity (hedged in CHF) II I-A1 CHF CHF CH0126480547 10% 10% ☐ % Total Alternative Investments 15% 40% % Overall % * min. 70% CHF; according to extension provisions up to min. 50% CHF Final remarks By signing this document, you confirm that you have answered all questions truthfully and that you have been informed about the risks and the costs of the selected investment strategy. You also acknowledge that the investment in securities may result in price losses. These may have to be realized promptly in the event of retirement (death and disability). You alone bear the investment risk. There is no entitlement to a minimum interest rate or to capital value preservation. In the event of changes in your life situation that have a direct influence on the selected investment strategy (taking up self- employment, retirement, divorce, etc.), you are obliged to carry out a new risk assessment. The investment regulations form an integral part of this strategy sheet. ..................................................................................... .......................................................................... Place/Date Signature Pension Beneficiary ..................................................................................... .......................................................................... Place/Date Signature Vested Benefits Foundation PensFree Payment instructions I PensFree Vested Benefits Foundation UBS Switzerland AG 1211 Genève Xxxxxxxxxxxx 0 6002 Luzern Clearing 248 In favour of: PensFree Vested Benefits Foundation, Xxxxxxxxxxx 00, XX-0000 Xxxxxx XXXX IBAN XX00 0000 0000 0000 0000 0000000000000000 X Remarks: Surname / Name / Date of birth Please send a copy of the statement of withdrawal to the following address: PensFree Vested Benefits Foundation Xxxxxxxxxxx 00 0000 Xxxxxx Xxxxxxxxxxx Receipt Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AG, PensFree Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address) Currency Amount CHF Payment part Currency Amount CHF Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AG, PensFree Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address)

General Remarks. The choice of the appropriate investment strategy requires a careful examination of your personal risk capacity and risk tolerance. The risk appetite, investment objectives and investment time horizon are the bases for the choice of your personal investment strategy. The following questions are intended to assist you in making your choice of strategy. Knowledge and experience 1. What knowledge do you have of investing in securities? Basic knowledge Advanced knowledge Comprehensive knowledge 2. What practical experience do you have in investing in securities? none or little experience medium experience extensive experience Risk profile Questions on risk capacity 1. What is your primary aim with the investment of your pension capital? Preservation of capital (limited risk of loss but also limited potential for appreciation in value) 2 P. Combination of preservation of capital and asset growth 4 P. Asset growth (greater potential for appreciation in value with increased risk of loss) 6 P. 2. When do you anticipate withdrawing all or some of your pension capital? less than 3 years 2 P. 4 to 8 years 4 P. 9 to 15 years 6 P. more than 15 years 8 P. 3. What percentage of your total assets does your pension capital currently represent? >75% 2 P. 51% - 75% 4 P. 25% - 50% 6 P. < 25% 8 P. Questions on risk tolerance 1. How high is your risk tolerance in the event of negative fluctuations in value? I do not wish to accept any temporary negative developments in prices. 0 P. up to approx. 10% decline in value 2 P. up to approx. 20% decline in value 4 P. up to approx. 30% decline in value 6 P. > 30% decline in value 8 P. 2. How would you react react, if your pension capital were to temporarily lose 15% in value? immediately sell all securities 0 P. switch to a more conservative investment strategy 2 P. stay with the chosen investment strategy 6 P. switch to a higher risk investment strategy 8 P. 3. With which of the following price developments do you feel comfortable? Price development A (2 P.) Price development B (6 P.) Price development C (8 P.) Risk profile analysis Total points for risk capacity: ..................................... Total points for risk tolerance: ………………………… Risk classes (The lower total number of points from risk capacity and risk tolerance determines your risk class): very low (≤ 5 points) represents a low-risk investment strategy or savings account solution low (6-9 points) represents the «Defensive» investment strategy (max. 25% equities) medium (10-13 points) represents the «Balanced» investment strategy (max. 45% equities) high (14-17 points) represents the «Growth» investment strategy (max. 65% equities) very high (≥ 18 points) represents the «Dynamic» investment strategy (max. 85% equities) Choice of your personal investment strategy In deviation from the risk profile determined above, you wish to invest your pension capital in the next higher risk class. You are aware of the increased investment risks and are prepared to accept these. Switching to a higher risk class is only permitted if the questions about "Knowledge and Experience" were not answered with "Basic knowledge" and "none or little experience". Your choice of investment strategy Die The PensFree Independent Foundation requires a signed strategy sheet for the opening of a vested benefits account or vested benefits deposit account. For the investments of your retirement assets, you have several investment strategies at disposal. The assets of the PensFree Independent Foundation are invested according to the BVV2 investment guidelines and the investment regulations of the PensFree Independent Foundation. Pension account holders who have a corresponding risk profile may make use of the provisions on expansion in accordance with Art. 50 Para. 4 BVV 2/OPP 2. The pension account holder confirms that he has been informed of the risks involved and possesses the corresponding risk profile. In the column «maxInvestment strategy Investment style & -vessel Min. weighting wo/w extension» you can see the corresponding, maximum possible weightings - without or with extensionScore Valor-Nr. Asset Trading currency Risk currency* ISIN max. weighting wo/w extension Allocation Total Strategic Equity share Low risk ☐ % UBS (CH) Money Market Fund-Fund- CHF CHF CHF CH0048799099 0 4'879’909 0% Defensiv ☐ % UBS Vitainvest Passive 25 Sustainable 6 111’013’412 ca. 25% ☐ % UBS AST Obligationen CHF Indexiert I-A1 CHF CHF CH0135670070 BVG-25 Aktiv Plus 11’763’809 ca. 25% ☐ % UBS AST Obligationen – Fremdwährungen Global BVG-25 Indexiert (hedged in CHF) I11'764’418 ca. 25% ☐ % Swisscanto AST Avant BVG 10 DT 287’524 ca. 10% ☐ % Swisscanto AST Avant BVG 25 DT 694’458 ca. 25% ☐ % IST Mixta Optima 25 2‘903‘143 ca. 25% ☐ % CSA 2 Mixta-A1 CHF CHF CH0273755501 BVG 25 887’902 ca. 25% Balanced ☐ % UBS AST Obligationen – Global Corporates BVG-40 Active Plus 10 11'763’878 ca. 40% ☐ % UBS AST BVG-40 Indexiert (hedged in CHF) II I-A1 CHF CHF CH0281609138 11'764'612 ca. 40% ☐ % Total Bonds 100Swisscanto AST Avant BVG 45 DT 287’590 ca. 40% ☐ % IST Mixta Optima 35 2‘903‘150 ca. 35% ☐ % CSA 2 Mixta-BVG 45 887’909 ca. 45% Growth ☐ % UBS AST Aktien Schweiz AII Indexiert II IBVG Target Risk 5% 14 18’150’975 0-A1 CHF CHF CH0281609328 max. 2550% ☐ % UBS (CH) Investment Fund - Equities Switzerland Passive Large IAST BVG Target Risk 7% 18’152’608 0-A1 CHF CHF CH0015709626 ☐ % UBS (CH) Institutional Fund - Equities Switzerland Small & Mid Cap Passive II I-A1 CHF CHF CH0302288847 ☐ % UBS (CH) Equity Fund - Swiss High Dividend (CHF) I-A1 CHF CHF CH0205552091 ☐ % UBS AST 2 Global Equities (ex CH) Passive II (hedged in CHF) I-A1 CHF CHF CH0147419656 ☐ % UBS AST 2 Global Equities (ex CH) Passive II I-A1 CHF USD CH0238494055 ☐ % UBS AST 2 Global Equities Small Cap (ex CH) Passive (hedged in CHF) II I-A1 CHF CHF CH0275372958 ☐ % UBS (Lux) Equity SICAV - Global High Dividend Sustainable (USD) (CHF hedged) I-A1-acc CHF CHF LU0858845737 ☐ % UBS (CH) Institutional Fund - Equities Emerging Markets Global Passive II (CHF) I-A1 CHF USD CH0252809709 ☐ % Total Equities 50% 85% % UBS AST Immoparts Schweiz I-A1 CHF CHF CH0117646163 max. 1/3 Real Estates abroad ☐ % UBS (CH) Institutional Fund 3 - Swiss Real Estate Securities Selection Passive II I-A1 CHF CHF CH0042114261 ☐ % UBS (CH) Institutional Fund – Global Real Estate Securities Passive II (hedged in CHF) I-A1 CHF CHF CH0021980898 ☐ % UBS (Lux) Real Estate Funds Selection - Global (CHF hedged) I-102-acc CHF CHF LU0498016020 ☐ % Total Real Estates 30% 40% % UBS ETF (CH) Gold (CHF) hedged (CHF) A-dis CHF CHF CH0106027128 5% 5% ☐ % UBS (CH) Institutional Fund 3 – Commodities Constant Maturity (hedged in CHF) II I-A1 CHF CHF CH0126480547 10Vitainvest Passive 50 Sustainable 111’013’413 ca. 50% 10Dynamic ☐ % UBS Vitainvest Passive 75 Sustainable 18 111’013’414 ca. 75% ☐ % Total Alternative Investments 15UBS Vitainvest Passive 100 Sustainable (max. 85% 40Allokation) 111’013’415 ca. 100% ☐ % Overall Swisscanto Vorsorge Fonds 75 Passiv VT CHF 35'369’090 ca. 75% * min. 70% CHF; according to extension provisions up to min. 50% CHF Final remarks By signing this document, you confirm that you have answered all questions truthfully and that you have been informed about the risks and the costs of the selected investment strategy. You also acknowledge that the investment in securities may result in price losses. These may have to be realized promptly in the event of retirement (death and disability). You alone bear the investment risk. There is no entitlement to a minimum interest rate or to capital value preservation. In the event of changes in your life situation that have a direct influence on the selected investment strategy (taking up self- self-employment, retirement, divorce, etc.), you are obliged to carry out a new risk assessment. The investment regulations form an integral part of this strategy sheet. ..................................................................................... .......................................................................... Place/Date Signature Pension Beneficiary ..................................................................................... .......................................................................... Place/Date Signature Vested Benefits Foundation PensFree Independent Payment instructions PensFree I Independent Vested Benefits Foundation UBS Switzerland AG 1211 Genève 6002 Lucerne Clearing 248 In favour of: PensFree Independent Vested Benefits Foundation, Xxxxxxxxxxx 00, XX-0000 Xxxxxx XXXX IBAN XX00 0000 0000 0000 0000 X Remarks: Surname / Name / Date Year of birth Birth Please send a copy of the statement of withdrawal to the following address: PensFree Independent Vested Benefits Foundation Xxxxxxxxxxx 00 0000 Xxxxxx Xxxxxxxxxxx Receipt Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AGAG , PensFree Independent Vested Benefits Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address) Currency Amount CHF Payment part Currency Amount CHF Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AGAG , PensFree Independent Vested Benefits Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address)

General Remarks. The choice of the appropriate investment strategy requires a careful examination of your personal risk capacity and risk tolerance. The risk appetite, investment objectives and investment time horizon are the bases for the choice of your personal investment strategy. The following questions are intended to assist you in making your choice of strategy. Knowledge and experience 1. What knowledge do you have of investing in securities? Basic knowledge Advanced knowledge Comprehensive knowledge 2. What practical experience do you have in investing in securities? none or little experience medium experience extensive experience Risk profile Questions on risk capacity 1. What is your primary aim with the investment of your pension capital? Preservation of capital (limited risk of loss but also limited potential for appreciation in value) 2 P. Combination of preservation of capital and asset growth 4 P. Asset growth (greater potential for appreciation in value with increased risk of loss) 6 P. 2. When do you anticipate withdrawing all or some of your pension capital? less than 3 years 2 P. 4 to 8 years 4 P. 9 to 15 years 6 P. more than 15 years 8 P. 3. What percentage of your total assets does your pension capital currently represent? >75% 2 P. 51% - 75% 4 P. 25% - 50% 6 P. < 25% 8 P. Questions on risk tolerance 1. How high is your risk tolerance in the event of negative fluctuations in value? I do not wish to accept any temporary negative developments in prices. 0 P. up to approx. 10% decline in value 2 P. up to approx. 20% decline in value 4 P. up to approx. 30% decline in value 6 P. > 30% decline in value 8 P. 2. How would you react if your pension capital were to temporarily lose 15% in value? immediately sell all securities 0 P. switch to a more conservative investment strategy 2 P. stay with the chosen investment strategy 6 P. switch to a higher risk investment strategy 8 P. 3. With which of the following price developments do you feel comfortable? Price development A (2 P.) Price development B (6 P.) Price development C (8 P.) Risk profile analysis Total points for risk capacity: ..................................... Total points for risk tolerance: ………………………… Risk classes (The lower total number of points from risk capacity and risk tolerance determines your risk class): very low (≤ 5 points) represents a low-risk investment strategy or savings account solution low (6-9 points) represents the «Defensive» investment strategy (max. 25% equities) medium (10-13 points) represents the «Balanced» investment strategy (max. 45% equities) high (14-17 points) represents the «Growth» investment strategy (max. 65% equities) very high (≥ 18 points) represents the «Dynamic» investment strategy (max. 85% equities) Choice of your personal investment strategy In deviation from the risk profile determined above, you wish to invest your pension capital in the next higher risk class. You are aware of the increased investment risks and are prepared to accept these. Switching to a higher risk class is only permitted if the questions about "Knowledge and Experience" were not answered with "Basic knowledge" and "none or little experience". Your choice of investment strategy The PensFree Independent Foundation requires a signed strategy sheet for the opening of a vested benefits account or vested benefits deposit account. For the investments of your retirement assets, you have several investment strategies at disposal. The assets of the PensFree Independent Foundation are invested according to the BVV2 investment guidelines and the investment regulations of the PensFree Independent Foundation. Pension account holders who have a corresponding risk profile may make use of the provisions on expansion in accordance with Art. 50 Para. 4 BVV 2/OPP 2. The pension account holder confirms that he has been informed of the risks involved and possesses the corresponding risk profile. In the column «max. weighting wo/w extension» you can see the corresponding, maximum possible weightings - without or with extension. Asset Trading currency Risk currency* ISIN max. weighting wo/w extension Allocation Total UBS (CH) Money Market Fund-CHF CHF CHF CH0048799099 ☐ % UBS AST Obligationen CHF Indexiert I-A1 CHF CHF CH0135670070 ☐ % UBS AST Obligationen – Fremdwährungen Global Indexiert (hedged in CHF) I-A1 CHF CHF CH0273755501 ☐ % UBS AST Obligationen – Global Corporates Indexiert (hedged in CHF) II I-A1 CHF CHF CH0281609138 ☐ % Total Bonds 100% % UBS AST Aktien Schweiz AII Indexiert II I-A1 CHF CHF CH0281609328 max. 25% ☐ % UBS (CH) Investment Fund - Equities Switzerland Passive Large I-A1 CHF CHF CH0015709626 ☐ % UBS (CH) Institutional Fund - Equities Switzerland Small & Mid Cap Passive II I-A1 CHF CHF CH0302288847 ☐ % UBS (CH) Equity Fund - Swiss High Dividend (CHF) I-A1 CHF CHF CH0205552091 ☐ % UBS AST 2 Global Equities (ex CH) Passive II (hedged in CHF) I-A1 CHF CHF CH0147419656 ☐ % UBS AST 2 Global Equities (ex CH) Passive II I-A1 CHF USD CH0238494055 ☐ % UBS AST 2 Global Equities Small Cap (ex CH) Passive (hedged in CHF) II I-A1 CHF CHF CH0275372958 ☐ % UBS (Lux) Equity SICAV - Global High Dividend Sustainable (USD) (CHF hedged) I-A1-acc CHF CHF LU0858845737 ☐ % UBS (CH) Institutional Fund - Equities Emerging Markets Global Passive II (CHF) I-A1 CHF USD CH0252809709 ☐ % Total Equities 50% 85% % UBS AST Immoparts Schweiz I-A1 CHF CHF CH0117646163 max. 1/3 Real Estates abroad ☐ % UBS (CH) Institutional Fund 3 - Swiss Real Estate Securities Selection Passive II I-A1 CHF CHF CH0042114261 ☐ % UBS (CH) Institutional Fund – Global Real Estate Securities Passive II (hedged in CHF) I-A1 CHF CHF CH0021980898 ☐ % UBS (Lux) Real Estate Funds Selection - Global (CHF hedged) I-102-acc CHF CHF LU0498016020 ☐ % Total Real Estates 30% 40% % UBS ETF (CH) Gold (CHF) hedged (CHF) A-dis CHF CHF CH0106027128 5% 5% ☐ % UBS (CH) Institutional Fund 3 – Commodities Constant Maturity (hedged in CHF) II I-A1 CHF CHF CH0126480547 10% 10% ☐ % Total Alternative Investments 15% 40% % Overall % * min. 70% CHF; according to extension provisions up to min. 50% CHF Final remarks By signing this document, you confirm that you have answered all questions truthfully and that you have been informed about the risks and the costs of the selected investment strategy. You also acknowledge that the investment in securities may result in price losses. These may have to be realized promptly in the event of retirement (death and disability). You alone bear the investment risk. There is no entitlement to a minimum interest rate or to capital value preservation. In the event of changes in your life situation that have a direct influence on the selected investment strategy (taking up self- employment, retirement, divorce, etc.), you are obliged to carry out a new risk assessment. The investment regulations form an integral part of this strategy sheet. ..................................................................................... .......................................................................... Place/Date Signature Pension Beneficiary ..................................................................................... .......................................................................... Place/Date Signature Vested Benefits Foundation PensFree Independent Payment instructions PensFree I Independent Vested Benefits Foundation UBS Switzerland AG 1211 Genève 6002 Lucerne Clearing 248 In favour of: PensFree Independent Vested Benefits Foundation, Xxxxxxxxxxx 00, XX-0000 Xxxxxx XXXX IBAN XX00 0000 0000 0000 0000 X Remarks: Surname / Name / Date Year of birth Birth Please send a copy of the statement of withdrawal to the following address: PensFree Independent Vested Benefits Foundation Xxxxxxxxxxx 00 0000 Xxxxxx Xxxxxxxxxxx Receipt Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AGAG , PensFree Independent Vested Benefits Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address) Currency Amount CHF Payment part Currency Amount CHF Account / Payable to XX00 0000 0000 0000 0000 X UBS Switzerland AGAG , PensFree Independent Vested Benefits Foundation for Vested Pension Benefits Xxxxxxxxxxx 00 0000 Xxxxxx Payable by (name/address)