Save for what’s important to you

^†About FDIC insurance: : UBS Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at UBS Bank USA 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 USA, including any UBS Bank USA issued certificates of deposit you own, UBS Bank USA Core Savings deposits and deposits placed at UBS Bank USA through participation in the UBS Bank Sweep Programs and the UBS FDIC- Insured Deposit 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 USA 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 savings balance will apply, depending upon account type.

¹The promotional rate only applies to qualifying cash you deposit into UBS Bank USA Core Savings (UBS Core Savings). “Qualifying cash” equals cash inflows minus cash outflows during the period commencing on August 25, 2025 and ending on the day you fund UBS Core Savings. 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 Core Savings. 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 UBS Bank USA Core Savings promotion is available from September 8, 2025 through December 28, 2025, (the "promotional period") and is effective if you deposit $100 or more in qualifying cash into UBS Core Savings.Effective September 8, 2025, the APY was 4.35% APY. Effective September 19, 2025, the APY decreased from 4.35% APY to 4.25% APY. Effective October 17, 2025, the APY decreased from 4.25% APY to 4.10% APY. Effective October 30, 2025, the APY decreased from 4.10% APY to 4.00% APY. Deposits must be received before December 15, 2025, to be eligible for the promotional rate.

At the end of the promotional period, interest rates will be tiered based on your eligible deposits in all your related accounts, which UBS Financial Services Inc. defines as a Marketing Relationship in the Agreements and Disclosures booklet. Applicable rates may be viewed at ubs.com/coresavings. Rates and tiers are subject to change without notice.

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

Outside of promotional offer periods UBS Core Savings has a multi-tier rate structure. At the end of a promotional period, variable tiered rates on the deposits in UBS Core Savings will apply. Variable tiered rates can be found at ubs.com/coresavings and are subject to change. Interest accrues daily and pays monthly. UBS Bank USA reserves the right to stop accepting new deposits and to 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 October 20, 2025.

⁴ APY represents an interest rate of 3.92%. “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.

⁵Only non-advisory accounts can execute online UBS Core Savings deposits and withdrawals.

⁶Interest begins to accrue on the day your deposit is credited to UBS Core Savings. Deposit and withdrawal orders must be submitted before 12:‍00 p.‍m. ET on a business day in order to be credited on the same day. Deposit and withdrawal orders submitted after 12:‍00 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 12:00 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 aer 12:00 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 Core Savings 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 aer 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 Bank USA
Please carefully review the UBS Bank USA Core Savings Disclosure Statement available at ubs.com/coresavingsdisclosure. UBS Bank USA Core Savings deposits are made through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA. UBS Financial Services Inc., as your agent and custodian, will open a deposit account with UBS Bank USA. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for UBS Bank USA Core Savings. Please see the UBS Bank USA Core Savings Disclosure Statement for a full list of eligible accounts. Ask your Financial Advisor for more information.

UBS Bank USA Core Savings is not intended for clients who need to have frequent access to their funds. For non-advisory accounts, UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Bank USA Core Savings in excess of ten (10) withdrawals in a calendar month. For advisory accounts, if you make more than ten (10) withdrawals in any calendar month, your entire UBS Bank USA Core Savings position (principal plus accrued interest) will be liquidated at the eleventh (11th) withdrawal and deposited in your advisory account. Your funds will not be automatically re-deposited into UBS Bank USA Core Savings the following month. If you would like to deposit into UBS Bank USA Core Savings again, you may instruct your Financial Advisor to transfer funds back into UBS Bank USA Core Savings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Bank USA Core Savings, 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.

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

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. The RMA, Business Services Account BSA and IRMA provide access to cash management products and 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 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 2025. 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: 20250516-4502996, Expiration: 05/16/2026.