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

² About FDIC Insurance: ��ţ�������� Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at ��ţ�������� 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 ��ţ�������� Bank USA, including any ��ţ�������� Bank USA issued certificates of deposit you own, ��ţ�������� Bank USA Core Savings deposits and deposits placed at ��ţ�������� Bank USA through participation in the ��ţ�������� Bank Sweep Programs and the ��ţ�������� 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. ��ţ�������� Financial Services Inc. is not an FDIC-insured bank. Investors/You are responsible for monitoring the total amount of deposits at ��ţ�������� 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 .

¹There 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 ��ţ�������� Resource Management Account (RMA) or Business Services Account BSA that is linked to your ��ţ�������� 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 in your ��ţ�������� account linked to your ��ţ�������� 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 ��ţ�������� Visa credit card linked 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 ��ţ�������� 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 ��ţ�������� card linked to a ��ţ�������� 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, ��ţ�������� Financial Services Inc. reserves the right to charge a fee for excessive checkwriting.

⁶Eligible U.S. bank, credit union or brokerage account required to use Zelle®. Transactions between enrolled users typically occur in minutes.��

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

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

⁷��ţ�������� Financial Services Inc. (“��ţ�������� FSI”) 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 ubs.com/accountdisclosures. Depending on the particular sweep program, the available cash balances in your securities account at ��ţ�������� FSI will be automatically deposited into deposit accounts at: (i) ��ţ�������� Bank USA (“��ţ�������� Bank”), a Federal Deposit Insurance Corporation (“FDIC”) member bank that is affiliated with ��ţ�������� FSI; or (ii) other participating banks whose deposits are FDIC insured (“Program Banks”). The current lists of Program Banks participating in the ��ţ�������� Insured Sweep Program and the ��ţ�������� FDIC-Insured Deposit Program are set forth in ��ţ�������� Bank Priority Lists, which is available online at ubs.com/bankprioritylists. FDIC insurance protect funds that have been deposited at ��ţ�������� Bank and the Program Banks, provided that the requirements for deposit insurance have been met. FDIC deposit insurance only covers the failure of an insured bank. ��ţ�������� FSI is not an FDIC insured bank. Certain legacy ��ţ�������� FSI accounts that enrolled in a sweep program prior to November 18, 2019 may also sweep to ��ţ�������� AG, Stamford Branch. Deposits held at ��ţ�������� AG, Stamford Branch are not insured by the FDIC, Securities Investor Protection Corporation (“SIPC”), or any governmental agency of the United States, Switzerland or any other jurisdiction. You can view the current yields for the sweep options at  ubs.com/sweepyields.��For more information about ��ţ�������� cash sweep programs, please see ��ţ�������� FDIC-Insured Deposit Program Disclosure Statement and ��ţ�������� Bank Sweep Programs Disclosure Statement or contact your Financial Advisor.

About ��ţ�������� Bank USA

Please carefully review the ��ţ�������� Bank USA Core Savings Disclosure Statement available at ubs.com/coresavingsdisclosure.����ţ�������� Bank USA Core Savings deposits are made through an account at ��ţ�������� Financial Services Inc., an affiliate of ��ţ�������� Bank USA. ��ţ�������� Financial Services Inc., as your agent and custodian, will open a deposit account with ��ţ�������� Bank USA. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for ��ţ�������� Bank USA Core Savings. Please see the ��ţ�������� Bank USA Core Savings Disclosure Statement for a full list of eligible accounts. Ask your Financial Advisor for more information.

��ţ�������� Bank USA Core Savings is not intended for clients who need to have frequent access to their funds. For non-advisory accounts, ��ţ�������� Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from ��ţ�������� Bank USA Core Savings in excess of five (5) withdrawals in a calendar month. For advisory accounts, if you make more than five (5) withdrawals in any calendar month, your entire ��ţ�������� Bank USA Core Savings position (principal plus accrued interest) will be liquidated at the sixth (6th) withdrawal and deposited in your advisory account. Your funds will not be automatically re-deposited into ��ţ�������� Bank USA Core Savings the following month. If you would like to deposit into ��ţ�������� Bank USA Core Savings again, you may instruct your Financial Advisor to transfer funds back into ��ţ�������� 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 ��ţ�������� 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 ��ţ�������� 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 ��ţ�������� Financial Services Inc. to meet a margin call.

VISA, VISA SIGNATURE and VISA INFINITE are issued by ��ţ�������� Bank USA with permission from Visa U.S.A. Inc.

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

About ��ţ�������� Financial Services Inc.

The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account ( IRMA) are brokerage accounts with ��ţ�������� 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 . The RMA, Business Services Account BSA and IRMA provide access to cash management 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 ��ţ�������� Financial Services Inc.��

��ţ�������� Financial Services Inc. is a subsidiary of ��ţ�������� 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 ��ţ�������� or your ��ţ�������� Financial Advisor.

© ��ţ�������� 2024. The key symbol, ��ţ��������, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account, and IRMA are among the registered and unregistered trademarks of ��ţ��������. 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 Exp: 7/31/25 Review code: 3753821