UBS - Managing Excess Cash

Keep your available funds working for you.

You want to be ready for today … and tomorrow. That means having cash on hand — but not losing an opportunity to keep your money working for you.

The UBS Deposit Account Sweep Program gives you a competitive return on your short-term cash, and makes sure the funds are available when you need them.¹

Here's how it works:

Each business day, the uninvested cash in a UBS Resource Management Account^® (RMA^®) — including recurring deposits such as payroll or investment proceeds — is automatically "swept" into an FDIC-insured deposit account at UBS Bank USA or to another sweep option.²

You earn returns on the funds until you need them. Then, they're available for withdrawal — to meet expenses or make a special purchase. Or, you can take advantage of an investment opportunity that brings you closer to the wealth-building goals you've set with your UBS Financial Advisor.

A UBS Financial Advisor can work with you to identify a cash management approach that supports your investment strategy — and streamlines your financial life.

1. An investment in a money fund or other sweep option is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or the U.S. government, and there can be no assurance that any money fund or other sweep option will be able to maintain a stable net asset value of $1.00 per share. It is possible to lose money by investing in the fund. For more information about UBS RMA money market funds or other sweep options, please obtain a prospectus by contacting your Financial Advisor. Investors should consider the investment objectives, charges, expenses and risk factors carefully before investing. The prospectus contains this and other information. Read it carefully before you invest.

2. The UBS Deposit Account Sweep Program is only available to eligible participants. For information on eligibility, please see the UBS Deposit Account Sweep Program Disclosure Statement available at www.ubs.com/sweepyields. Deposits at UBS Bank USA are FDIC-insured up to $100,000 in principal and interest per depositor ($250,000 for some retirement accounts), in accordance with FDIC rules. More information regarding FDIC insurance is available upon request, or by visiting the FDIC website at www.fdic.gov. Deposits at UBS Bank USA are not guaranteed by UBS AG or by any of its affiliates, and are not protected by the Securities Investor Protection Corporation.

If you are an Eligible Participant (as defined in the UBS Deposit Account Sweep Program Disclosure Statement), unless you affirmatively elect one of the alternative tax-free sweep fund offerings, uninvested cash will automatically sweep to the UBS Bank USA deposit accounts.

The RMA is a brokerage account. Resource Management Account and RMA are registered service marks of UBS Financial Services Inc.