At 麻豆社, we begin by understanding the role of cash and how it fits with your life鈥檚 goals and what you want to accomplish with your wealth. By focusing on what鈥檚 really important to you, together we can help you maintain your lifestyle and give you the confidence to fund for your short-term spending needs. 麻豆社 Bank offers a wide range of competitive, flexible and strategic cash solutions, each designed to work together with your wealth management plans.1

You, as our client, 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.听(For more information on FDIC insurance see footnote 2.) 麻豆社 Bank is an indirect wholly owned subsidiary of 麻豆社 Group AG and is well capitalized separately from 麻豆社 Financial Services Inc., providing you greater confidence.

Understanding the various purposes of your cash can help you make the most of it

Everyday cash

Everyday cash provides immediate access to funds and may be used for day-to-day purchases or expenses, including paying bills. Available 鈥渃ash鈥 in your 麻豆社 Financial Services Inc. securities account(s) is automatically 鈥渟wept鈥 daily to bank deposit accounts held at 麻豆社 Bank听or depending on the sweep program, the banks listed at听ubs.com/bankprioritylists.3 You鈥檒l get access to cash management services, including online tools such as mobile check deposit as well as traditional cash transaction features, allowing you to easily manage both your everyday cash and investment needs 鈥 all in one place.

Learn more about sweep deposits

Savings cash

Grow your savings cash for large near-term expenses, unexpected life events or as an emergency fund. With no market or liquidity risk, 麻豆社 Bank USA Core Savings (麻豆社 Core Savings) can help you keep your long-term investment strategy on track with the safety of FDIC insurance up to applicable limits while earning competitive yields. (For more information on FDIC insurance see footnote 2.) You鈥檒l enjoy more 铿俥xibility than term deposits, with up to ten withdrawals per month. Thereafter, a $25 fee per withdrawal applies, or liquidation of the entire 麻豆社 Core Savings balance will apply, depending on your account type (applicable fees may reduce earnings).听 To withdraw funds, visit 麻豆社 Online Services or simply call your Financial Advisor.4 Review the 麻豆社 Core Savings Disclosure Statement for additional details.

Learn more about 麻豆社 Core Savings

Investment cash

Generally speaking, investment cash is left untouched for a specified term to enjoy higher rates, which may carry additional market/credit risks and fees. Investment cash is typically used as part of your asset allocation and can include cash and cash alternatives, such as Certificates of Deposit.

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

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1 Eligible 麻豆社 Accounts are offered by 麻豆社 Financial Services Inc. 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.

2听About听FDIC Insurance: 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 Deposit Sweep 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. 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 .听

3听麻豆社 Financial Services Inc. (鈥溌槎股 FSI鈥) offers various cash sweep options. Your eligibility for a particular sweep program is set forth in the Account Agreements and Disclosures, which may be viewed at听ubs.com/accountdisclosures.听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听ubs.com/bankprioritylists.听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听ubs.com/sweepyields. For more information about 麻豆社 cash sweep programs, please see Deposit Sweep Program Disclosure Statement or contact your Financial Advisor.

4 Only non-advisory accounts can execute online 麻豆社 Core Savings deposits and withdrawals. Visit ubs.com/bankingvideos to learn how to make an online deposit or set up funds transfer capabilities.

About 麻豆社 Bank
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.

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听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, 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.

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听.听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.

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

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

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 or in the best interest for all investors and will depend on individual investors鈥 circumstances and objectives. You should review the Disclosure Statement for the CD, which is available from your Financial Advisor.

CDs at an issuing bank are eligible for FDIC insurance up to the maximum limits allowed by law. The FDIC鈥檚 regulations impose conditions for obtaining FDIC insurance coverage for deposits held through agents, such as 麻豆社 Financial Services Inc. These conditions include recordkeeping requirements applicable to the agent. FDIC deposit insurance only covers the failure of an insured bank. 麻豆社 Financial Services Inc. is not an FDIC-insured bank.听

This information is not provided based on your particular financial situations or needs and does not take into account individual investors鈥 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. All rights reserved.

2024-1610450

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