Make the most of your cash

UBS Bank USA offers a wide range of competitive, flexible and strategic cash solutions, each designed to work together with your wealth management plans. We begin by understanding the role of cash and how it fits with your life’s goals and what you want to accomplish with your wealth. By focusing on what’s really important to you, together we can help you maintain your lifestyle and give you the confidence to fund short-term spending needs regardless of the markets.

You can choose from a wide range of liquidity strategies and benefit from a source of stable assets with competitive rates and the added security of FDIC insurance up to applicable limits. UBS Bank USA is an indirect wholly owned subsidiary of UBS Group AG and is well capitalized separately from UBS Financial Services Inc., providing you greater confidence.

Find out how we can help make your cash work harder, so you're better prepared for expected and unexpected expenses.

UBS Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposits at UBS Bank USA are eligible for deposit insurance from the Federal Deposit Insurance Corporation (“FDIC”) up to $250,000 (including principal and accrued interest) for each insurable capacity (e.g., single, joint, corporate, etc.) in which you own the deposits. 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 certificates of deposit, UBS Bank USA Core Savings deposits and deposits held through the UBS Bank Sweep Programs and the UBS FDIC Insured Deposit Program. You are responsible for monitoring the total amount of deposits at UBS Bank USA. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.

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. UBS Financial Services Inc., as your agent and custodian will open a deposit account with its affiliate bank, UBS Bank USA, UBS Bank USA Core Savings is not available for certain financial institutions, advisory accounts and non-resident clients. 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. 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 five (5) withdrawals in a calendar month. Applicable fees may reduce your earnings. 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. These fees will be posted to your account at UBS Financial Services Inc. the business day following the excess withdrawal. You may incur a withdrawal fee even if the withdrawal is involuntary such as if a withdrawal is made by UBS Financial Services Inc. to meet a margin call.

The RMA, Business Services Account BSA and 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 and Business Services Account BSA accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks and provides access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc.

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

This material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation to buy or sell, a CD or to participate in any trading strategy. The CDs discussed may not be suitable for all investors and will depend on individual investors’ circumstances and objectives. You should review the Certificates of Deposit Disclosure Statement, which is available from your Financial Advisor.

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 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 the client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS financial Advisor for a copy.

© UBS 2022. The key symbol, UBS, RMA, Resource Management Account, Business Services Account BSA, IRMA, and International Resource Management Account 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.

IS2204721, Exp: 8/31/2023