Securities-backed lending

Whether it’s renovating your home, making a tax payment¹ or seizing a time-sensitive business opportunity, you may be able to access immediate liquidity through a securities-backed loan. As our client, when you use the borrowing power of your eligible securities, you may be able to access to the funds you need while you continue to pursue your long-term financial strategy.

By having a securities-backed loan in place, you may not need to sell assets (which may have tax implications) or secure a last-minute loan, so you’ll be better prepared for whatever comes your way.

A securities-backed loan may be used for a variety of needs, including real estate investments, bridge loans, personal expenses, business expansion, higher interest debt or loan consolidation and luxury purchases such as yachts or private jets.

To understand how a securities-backed loan may offer you the financial flexibility you need, connect with your Financial Advisor or find a UBS Financial Advisor.

¹UBS Bank USA, UBS-FS, their employees and affiliates do not provide legal or tax advice, and any information provided should not be construed as such. You should contact your personal tax and/or legal advisors regarding your particular situation, including the legal and tax implications of borrowing using securities as collateral for a loan.

Borrowing using securities as collateral involves special risks, is not suitable for everyone and may not be appropriate for your needs. All loans are subject to credit approval, margin requirements, and margin call and other risks; credit lines may be subject to breakage fees. For a full discussion of the risks associated with borrowing using securities as collateral, review the Loan Disclosure Statement included in your application package/account opening package. UBS Financial Services Inc. (UBS-FS) and its Financial Advisors have a financial incentive to recommend the use of securities backed loans, rather than the sale of securities to meet cash needs because we receive compensation related to the loan as well as the investments used to secure the loan. We benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, and have a financial incentive to recommend products or manage an account in order to maximize the amount of the loan. UBS-FS and its Financial Advisors and employees offer banking and lending products to clients through our affiliates and third-party banks in our capacity as a broker-dealer and not as an investment adviser.

Important information about brokerage and advisory services.

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business, and that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.

This information is not provided based on your particular financial situations or needs and does not take into account individual investors’ circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.

© UBS 2024. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved.

UBS Financial Services Inc. and UBS Bank USA are subsidiaries of UBS Group AG. UBS Financial Services Inc. is a member of SIPC. Member FINRA. UBS Bank USA, Member FDIC, NMLS no. 947868

IS2401155. Exp. Date:2/28/2025