Plan for what matters most

“UBS Bank” is UBS Bank USA, N.A. Member FDIC, NMLS no. 947868. UBS Bank is a subsidiary of UBS Group AG.

^†About FDIC insurance: : UBS Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at UBS Bank are eligible for FDIC insurance up to $250,000 (including principal and accrued interest) per depositor for each insurable capacity (e.g., single or joint) in which the deposit is held, provided that the requirements for deposit insurance have been met. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances held in the same insurable ownership capacity at UBS Bank, including any UBS Bank issued certificates of deposit you own, UBS Cash Reserve deposits and deposits placed at UBS Bank through participation in the UBS Deposit Sweep Program or through sweep programs offered by third-party broker-dealers. FDIC deposit insurance only covers the failure of an insured bank. UBS Financial Services Inc. is not an FDIC-insured bank. You are responsible for monitoring the total amount of deposits at UBS Bank in order to determine the extent of FDIC deposit insurance coverage. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.

^††After 10 withdrawals per month, a $25 fee per withdrawal (may reduce earnings) or liquidation of the entire UBS Cash Reserve balance will apply, depending upon account type.

¹ The promotional offer only applies to qualifying cash you deposit into UBS Cash Reserve. ”Qualifying cash” equals cash inflows minus cash outflows during the period commencing on July 31, 2026 and ending on the day you fund UBS Cash Reserve. Cash inflows are defined as (i) deposits from sources outside of UBS in the form of direct deposits (e.g., payroll or annuity); check deposits (including through mobile deposit capture); and wire, ACH, and other funds transfer inflows, in addition to (ii) proceeds from the sale of money market funds, mutual funds, equities, fixed income (including certificates of deposit) and other securities, (iii) proceeds from maturity or redemption of fixed income securities, (iv) dividends, and (v) interest from fixed income. Cash outflows may include checks; bill payments; ATM withdrawals and debit card purchases; autopayments (e.g., credit card); and wire, ACH, and other funds transfer outflows. Qualifying cash must be fully settled and included in the withdrawal limit for your UBS account before you can initiate a deposit into UBS Cash Reserve. This generally occurs one day after your deposit is received from an external source, or for securities sales, one day after settlement of the trade.

² The variable rate promotion is available from August 3, 2026 through November 9, 2026 (promotional period) and is effective if you deposit $100 or more in qualifying cash into UBS Cash Reserve. Effective August 3, 2026, the APY was 3.65%. Effective September 17, 2026, the APY increased from 3.65% to 3.90%. Deposits must be received before October 30, 2026 to be eligible for the promotional offer.

The promotional APY may change at any time in accordance with the prevailing rate environment during the promotional period. However, the promotional APY will not be lower than the highest tier rate (Tier 6) then in effect for standard UBS Cash Reserve. If an adjustment is made, you may obtain the new APY by accessing your account online or contacting your Financial Advisor. The promotional period may also be extended. You may access rates and promotion end dates at ubs.com/cashreserve or by contacting your Financial Advisor.

At the end of the promotional period, the variable tiered rates on deposits in standard UBS Cash Reserve will apply (see ubs.com/cashreserve). UBS Bank reserves the right to stop accepting new deposits and terminate the offer at any time.

³ Based on comparison to the National Deposits Savings Average Annual Percentage Yield (APY) as published on the FDIC Weekly National Rates and Rate Caps Weekly Update, as of August 17, 2026.

⁴ APY represents an interest rate of 3.83%. “Interest rate” is the annualized rate we pay but does not reflect any interest we pay on interest you have earned (called “compound interest”). “Annual percentage yield” or “APY” is the annualized rate we pay and includes compound interest. APY may be higher than the interest rate due to compound interest.

⁵ Only non-advisory accounts can execute UBS Cash Reserve deposits and withdrawals online. 

⁶ Interest begins to accrue on the day your deposit is credited to UBS Cash Reserve. Deposit and withdrawal orders must be submitted before 4 p.‍m. ET on a business day in order to be credited on the same day. Deposit and withdrawal orders submitted after 4 p.‍m. ET on a business day or on a non-business day will be credited on the next business day. A business day is Monday‍ to Friday‍, excluding New York Stock Exchange and federal holidays.

For online deposits on UBS Online Services and the UBS Wealth Management app only: If you make a deposit from your UBS account before 4 p.m. ET on a business day, your funds will be credited on the same day, and you will begin accruing interest that day. If your deposit is submitted after 4 p.m. ET on a business day or on a non-business day, your funds will be credited on the next business day. For any deposits from an external account, your funds will be credited in UBS Cash Reserve typically in one business day if you submit your funds transfer request before 6 p.m. ET on a business day. If your request is submitted after 6 p.m. ET on a business day or on a non-business day, your funds will be credited on the second business day.

About UBS Cash Reserve
UBS Cash Reserve deposits are made through an account at UBS Financial Services Inc., an affiliate of UBS Bank. UBS Financial Services Inc., as your agent and custodian, will open a deposit account with UBS Bank. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for UBS Cash Reserve. For more information, please see the UBS Cash Reserve Disclosure Statement available at ubs.com/cashreservedisclosure or contact your Financial Advisor.

UBS Cash Reserve is not intended for clients who need frequent access to their funds. For non-advisory accounts, UBS Financial Services Inc. will charge $25 for each withdrawal in excess of ten (10) withdrawals in a calendar month. For advisory accounts, if you make more than ten (10) withdrawals in any month, your entire UBS Cash Reserve position (principal plus accrued interest) will be liquidated at the eleventh (11th) withdrawal and deposited in your advisory account. Your funds will not automatically go back into UBS Cash Reserve the next month. Ask your Financial Advisor to transfer funds back if you want to deposit again. A withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Cash Reserve, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. Any applicable fees will be posted to your account at UBS Financial Services Inc. the business day following the excess withdrawal, and may reduce your earnings. You may incur a withdrawal fee or your position may be liquidated, as applicable, even if the withdrawal is involuntary such as if a withdrawal is made by UBS Financial Services Inc. to meet a margin call.

About UBS Financial Services Inc.
The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account (IRMA) are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org. These accounts provide access to cash management services through arrangements with affiliated banks and other third-party banks, and provide access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. is not a bank. 

Investment, insurance and annuity products: Not FDIC insured • Not a deposit • No bank guarantee • May lose value

UBS Financial Services Inc. is a US subsidiary of UBS Group AG. Member FINRA. Member SIPC.

This information is not provided based on your particular financial situation or need 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 2026. All rights reserved. The key symbol, UBS, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account, and IRMA are among the registered and unregistered trademarks of UBS.

2022-804377

Review code: 20260114-5117268, Expiration: 01/14/2027