UNION BANCAIRE PRIVEE (EUROPE) S.A.

Union Bancaire Privée (Europe) S.A. is the Luxembourg-based European banking subsidiary of Union Bancaire Privée, UBP SA (Geneva), authorized as a credit institution and supervised by the Commission de Surveillance du Secteur Financier (CSSF), operating under EU and Luxembourg frameworks including MiFID II, CRR/CRD, PSD2, AMLD, and CRS/FATCA. It provides private banking and wealth management services to high-net-worth individuals, families, and professional clients across the EEA through branches and cross-border passports, covering discretionary and advisory portfolio management, execution and custody, cash management, foreign exchange and derivatives for investment purposes, Lombard lending secured by financial assets, and distribution of both UBP-branded and third-party UCITS and alternative investment funds. Accounts are typically multi-currency and booked in Luxembourg with online reporting; everyday retail functionality is limited compared with mass-market banks. Client assets are subject to Luxembourg investor protection frameworks, notably the Fonds de garantie des dépôts Luxembourg for eligible deposits up to EUR 100,000 per depositor and the investor compensation scheme for certain investment claims up to EUR 20,000, while market risk in portfolios remains with clients. Pricing generally consists of custody and administration charges, advisory or discretionary management fees, transaction commissions, and FX mark-ups; some products may include performance fees or retrocessions, and minimum relationship sizes apply. Product access includes mutual funds, ETFs, structured products, hedge funds, and private market vehicles under an open-architecture approach, with eligibility governed by client classification, suitability, and target-market rules. The entity applies group policies for risk management, best execution, conflicts of interest, and inducements; disclosures and consent requirements apply when distributing proprietary or third-party products. Onboarding includes full KYC/AML checks and tax self-certification, and services to U.S. persons or residents of certain jurisdictions may be restricted. Prospective clients should consider booking-center implications, fee layering, liquidity and currency exposure, and tax and reporting obligations in their country of residence before engaging.