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.
1Based 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 March 20, 2023.
2UBS Bank USA Core Savings promotional rate of 4.65% Annual Percentage Yield (APY) is available from February 6, 2023 through July 26,
2023 (the "promotional period") and is effective after you deposit $1,000 or more in Net New Cash into UBS Bank USA Core Savings.
Deposits must be received before July 11, 2023 to be eligible for the promotional rate. Effective March 23, 2023, the APY increased from 4.65% to 4.90%.
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 annual
percentage yield ("APY") may increase in accordance with the prevailing rate environment during the offer period. 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 this information on
ubs.com/coresavings or by contacting your Financial Advisor. Outside of promotional offer period UBS
Bank USA Core Savings has a multi-tier rate structure. At the end of a promotional period, variable tiered rates on the deposits in
UBS Bank USA Core Savings will apply. Interest accrues daily and pays monthly. UBS Bank USA reserves the right to terminate the offer
on new deposits at any time.
3Net new cash equals cash inflows from sources other than an existing UBS Financial Services Inc. ("UBS")
account, minus cash outflows from the UBS account. Cash inflows may include: direct deposits (e.g., payroll or annuity); check
deposits (including through mobile deposit capture); and wire, ACH and other funds transfer inflows. 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. Net new cash does not include: internal transfers; dividends and interest; maturities and redemptions; other
assets transferred in or out (i.e., securities as well as cash-like securities such as money market funds); or fees. Net new cash
must be in the account in order to purchase a certificate of deposit or fund UBS Bank USA Core Savings.
About UBS Bank USA
UBS Bank USA is a member of the Federal Deposit Insurance Corporation ("FDIC").Funds on deposit at UBS Bank USA are insured by the
FDIC up to the maximum limits allowed by law. You are responsible for monitoring the total amount of deposits at 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. UBS Financial Services Inc., as clients' 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 aliens. 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 clients a fee of $25 for each withdrawal that they make from UBS Bank USA Core Savings in excess of five (5) withdrawals in a
calendar month. Applicable fees may reduce clients' 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 clients place an order for
the withdrawal with the Financial Advisor. These fees will be posted to clients' 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.
UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868
About UBS Financial Services Inc
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, Business Services Account BSA and IRMA provide access to banking services and products 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.
Investment, insurance and annuity products: Not FDIC insured • No bank guarantee • May lose value.
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 the client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.
© UBS 2023. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA. Member SIPC.
IS2205544; Expiration: 9/30/23