What if your cash, investments and everyday finances were working together toward your bigger financial picture? At 麻豆社, your short-term cash and long-term investments are connected in one place, with your dedicated 麻豆社聽Financial Advisor providing you valuable advice to confidently pursue all of your financial goals.

Your 麻豆社 eligible account allows you to consolidate your investments and access your money in one convenient place.鈥

鈥 The 麻豆社 Resource Management Account (RMA) and 麻豆社 Business Services Account BSA are offered by 麻豆社 Financial Services Inc.听 Cash management services associated with these accounts are provided by affiliated and third-party banks. Deposit and loan products are offered by 麻豆社 Bank.

Manage your accounts

麻豆社 Online Services and the 麻豆社聽Wealth Management app lets you stay connected to your 铿乶ances and manage your money, wherever you are. You can log in securely to view transactions, statements and 麻豆社 card activity.

Make deposits

Use the 麻豆社聽Wealth Management app to deposit a check through Mobile Deposit Capture or fund an investment in a snap. You can also use funds transfer to deposit funds from your accounts at an external 铿乶ancial institution into your eligible 麻豆社 account or initiate a deposit into 麻豆社 Bank USA Core Savings.1聽Funds deposited into 麻豆社 Bank USA Core Savings, CDs and 麻豆社 cash sweep programs are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits. (For more information on FDIC insurance see footnote 2.) You may wire funds into your account or set up direct deposit for recurring deposits.

Access funds

Access cash with your 麻豆社 debit card or use your 麻豆社 credit card to get cash at banks and ATMs worldwide without finance charges or cash advance fees provided you have sufficient funds available in your linked eligible 麻豆社 account.3聽Plus, get an unlimited number of ATM fee rebates in the US (up to $10 per transaction).4 Rebates vary by card product. Visit 聽for more information on card benefits, rates and fees. 麻豆社 Visa debit and credit cards are offered by 麻豆社 Bank.

You can also take advantage of unlimited checkwriting and our convenient bill pay service.5 Set up one-time or recurring online bill payments from your eligible 麻豆社 account for any of your monthly or daily expenses.

Make transfers and payments

Transfer funds to and from your accounts at external 铿乶ancial institutions and between your 麻豆社 accounts. You can also make payments from your accounts by wiring the funds or using our checkwriting services. Pay bills and manage your monthly invoices easily with our intuitive bill pay service. You can also send and receive money with people you know and trust through Zelle庐.6

Earn Interest

Available cash balances in your account are automatically transferred, or 鈥渟wept,鈥 into interest-bearing deposit accounts each business day, based on your account鈥檚 eligibility.7 This way, your money can work harder for you.

You also have access to 麻豆社 Bank USA Core Savings. Earn competitive yields with FDIC insurance (up to applicable limits).听For more information on FDIC insurance please see footnote 2.听

Explore more solutions for you

鈥溌槎股 Bank鈥 is the trade name of 麻豆社 Bank USA, N.A. Member FDIC, NMLS no. 947868. 麻豆社 Bank is a subsidiary of 麻豆社 Group AG.

1 Only non-advisory accounts can execute online deposits into and withdrawals from 麻豆社 Bank USA Core Savings.

2聽About FDIC Insurance:聽麻豆社 Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at 麻豆社 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 麻豆社 Bank, including any 麻豆社 Bank issued certificates of deposit you own, 麻豆社 Bank USA Core Savings deposits and deposits placed at 麻豆社 Bank through participation in the 麻豆社 Bank Sweep Programs and the 麻豆社 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. 麻豆社 Financial Services Inc. is not an FDIC-insured bank. Investors/You are responsible for monitoring the total amount of deposits at 麻豆社 Bank in order to determine the extent of FDIC deposit insurance coverage. For more information about FDIC insurance, please visit the FDIC website at .

3There must be sufficient funds to repay the cash advance that night or you will incur applicable cash advance fees and interest charges. The automatic transfers used to pay off your CashConnect cash advances will reduce the available funds in your 麻豆社 Resource Management Account (RMA) or Business Services Account BSA that is linked to your 麻豆社 Visa credit card and as a result could affect other transactions dependent on cash, such as fee payments, investment purchases, online bill pay, debit card usage and outstanding checks. Please make sure that you have sufficient available funds (up to your Withdrawal Limit) in your 麻豆社 Financial Services Inc. account linked to your 麻豆社 Visa credit card to cover these items, as well as the CashConnect cash advance. The CashConnect feature is available only for cardholders who have the 麻豆社 credit card connected to an RMA or Business Services Account BSA.

4We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to 麻豆社 by the ATM operator and/or network used. In the event that you do not receive a rebate for a fee that you believe is eligible, please call 800-762-1000 or from outside the U.S. call 201-352-5257 for assistance. ATM rebates are only available for cardholders who have the 麻豆社 card linked to a聽麻豆社 Resource Management Account (RMA) or Business Services Account BSA. We do not reimburse international ATM fees.

5Please note: If you have a Business Services Account BSA, 麻豆社 Financial Services Inc. reserves the right to charge a fee for excessive checkwriting.

6To send or receive money with Zelle庐, both parties must have an eligible checking or savings account. 麻豆社 Financial Services Inc. maintains an arrangement with an unaffiliated bank to provide its clients with access to checking account services through their 麻豆社 Resource Management Account.听

Zelle庐 should only be used with friends, family and others you trust. You can鈥檛 cancel a payment once it鈥檚 been sent, if the recipient is already enrolled with Zelle庐. And, if you send money to someone you don鈥檛 know, you may not get your money back.

Zelle庐 and the Zelle庐 related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

7麻豆社 Financial Services Inc. (鈥溌槎股 FSI鈥) offers various cash sweep options. Your/Your client鈥檚 eligibility for a particular sweep program is set forth in the Account Agreements and Disclosures, which may be viewed at ubs.com/accountdisclosures. Depending on the particular sweep program, the available cash balances in your securities account at 麻豆社 FSI will be automatically deposited into deposit accounts at: (i) 麻豆社 Bank, a Federal Deposit Insurance Corporation (鈥淔DIC鈥) member bank that is affiliated with 麻豆社 FSI; or (ii) other participating banks whose deposits are FDIC insured (鈥淧rogram Banks鈥). The current lists of Program Banks participating in the 麻豆社 Insured Sweep Program and the 麻豆社 FDIC-Insured Deposit Program are set forth in 麻豆社 Bank Priority Lists, which is available online at ubs.com/bankprioritylists. FDIC insurance protects funds that have been deposited at 麻豆社 Bank and the Program Banks, provided that the requirements for deposit insurance have been met. You are responsible for monitoring the total amount of deposits at each bank to determine the extent of FDIC deposit insurance coverage. FDIC deposit insurance only covers the failure of an insured bank. 麻豆社 FSI is not an FDIC insured bank. You can view the current yields for the sweep options at ubs.com/sweepyields. For more information about 麻豆社 cash sweep programs, please see 麻豆社 FDIC-Insured Deposit Program Disclosure Statement and 麻豆社 Bank Sweep Programs Disclosure Statement or contact your Financial Advisor.

About 麻豆社 Bank

麻豆社 Bank USA Core Savings deposits are made through an account at 麻豆社 Financial Services Inc. 麻豆社 Financial Services Inc., as clients鈥 agent and custodian, will open a deposit account with its affiliate bank, 麻豆社 Bank. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for 麻豆社 Bank USA Core Savings. For more information, please see the 麻豆社 Bank USA Core Savings Disclosure Statement available at ubs.com/coresavingsdisclosure.

麻豆社 Bank USA Core Savings is not intended for clients who need to have frequent access to their funds. For non-advisory accounts, 麻豆社 Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from 麻豆社 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 麻豆社 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 麻豆社 Bank USA Core Savings the following month. If you would like to deposit into 麻豆社 Bank USA Core Savings again, you may instruct your Financial Advisor to transfer funds back into 麻豆社 Bank USA Core Savings. For these purposes,聽a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from 麻豆社 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 麻豆社 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 麻豆社 Financial Services Inc. to meet a margin call.

VISA, VISA SIGNATURE and VISA INFINITE are issued by 麻豆社 Bank USA, N.A. with permission from Visa U.S.A. Inc.

About 麻豆社 Financial Services Inc.

The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account (IRMA) are brokerage accounts with 麻豆社 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 . 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 麻豆社 Financial Services Inc. 麻豆社 Financial Services Inc. is not a bank.听

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

麻豆社 Financial Services Inc. is a subsidiary of 麻豆社 Group AG. Member FINRA. Member SIPC.

This information is not provided based on your particular financial situation or needs and does not take into account individual investors' circumstances. You should not consider this information to be a 鈥渞ecommendation鈥 by 麻豆社 or your 麻豆社 Financial Advisor.

漏 麻豆社 2025. The key symbol, 麻豆社, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account, and IRMA are among the registered and unregistered trademarks of 麻豆社. VISA, VISA SIGNATURE and VISA INFINITE are trademarks and registered trademarks of Visa International Service Association and used under license. All rights reserved.

2024-1567504聽Review code: 20251015-4877265. Expiration: 10/15/2026.