UBS Financial Services Inc.¹ has a business relationship with UBS AG, Tampa Branch, dba UBS Mortgage ("UBS Mortgage"). UBS Financial Services Inc. is a wholly owned subsidiary of UBS AG. The Tampa, Florida branch of UBS AG is providing mortgage origination services for UBS Financial Services Inc. clients.

UBS Mortgage was established to provide seamless service to UBS Financial Services Inc. clients by working closely with the clients' UBS Financial Advisors to take into account the clients' overall wealth management goals. UBS Mortgage will do its best to minimize the paperwork and offer appropriate options, at competitive prices, specifically selected for UBS Financial Services Inc. clients.

Because of this relationship, this referral may provide UBS Financial Services Inc. financial or other benefits. In addition, please be advised that UBS Financial Advisors may receive compensation of up to 0.12% of the amount of clients' primary mortgage loan. This compensation is paid by UBS Financial Services Inc. — UBS Financial Advisors receive no compensation from UBS Mortgage.

Set forth below is the estimated charge or range of charges for the settlement services listed. Clients are NOT required to use UBS Mortgage as a condition for settlement of their loan on the subject property. There are frequently other settlement service providers available with similar services. Clients are free to shop around to determine that they are receiving the best services and the best rate for these services.

Please note: UBS Mortgage utilizes third-party service providers and will share personal information with those providers to fulfill mortgage services on behalf of UBS Financial Services Inc. clients.

To discuss how buying or building a home, refinancing an existing mortgage, or obtaining traditional or alternative home financing can impact your overall wealth management goals, ask a UBS Financial Advisor² to introduce you to a UBS Mortgage Banker or call UBS Mortgage at 866-536-3827.

Mortgage Disclosure
Credit Lines are provided by UBS Bank USA, an affiliate of UBS Financial Services Inc. Credit Lines are demand loans and are subject to credit approval and collateral maintenance requirements. UBS Bank USA can demand repayment at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral, repay part or all of your loan and/or sell your securities. Failure to promptly meet a request for additional collateral or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines. Any required liquidations may interrupt your long-term investment strategies and may result in adverse tax consequences.

Credit Lines may not be used to purchase, trade or carry securities or to repay debt (a) used to purchase, trade or carry securities or (b) to any affiliate of UBS Bank USA. Additional limitations and availability may vary by state. Prepayments of Premier Fixed Credit Line loans will be subject to an administrative fee and may result in a prepayment fee.

Neither UBS Financial Services Inc. nor UBS Bank USA provides legal or tax advice. You should consult your legal and tax advisors regarding the legal and tax implications of borrowing using securities as collateral for a loan. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package.

UBS Financial Services Inc. is a subsidiary of UBS AG.

All mortgage loan products are offered by and through UBS Mortgage, which is a trade name for UBS AG, Tampa Branch. All loans are subject to underwriting, credit and property approval. Not all products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Mortgage currently offers residential mortgage loans solely within the 50 states of the United States of America and the District of Columbia.