This page houses the primary account agreements and other disclosures we are required to provide all clients of UBS – in one convenient place online.

Here you will also find information about the account protection you receive as a client of UBS.

As always, please contact your Financial Advisor with questions. In the meantime, we appreciate your business and look forward to helping you achieve your financial goals.

Account agreements	Date
Agreements and Disclosures	November 2011
Agreements and Disclosures Addendum	November 2011
Client Relationship Agreement	August 2011
Important Information About Your Account Upgrade	November 2011

Credit card agreements	Date
Bill Payment and Electronic Funds Transfer Service Agreement	November 2010
Cardmember Agreement: UBS Preferred Visa Signature Credit Card Account (General Population)	August 2011
Cardmember Agreement: UBS Preferred Visa Signature Credit Card Account (Iowa and / or Puerto Rico Population)	August 2011
Cardmember Agreement: UBS Visa Signature Credit Card Account (General Population)	August 2011
Cardmember Agreement: UBS Visa Signature Credit Card Account (Iowa and / or Puerto Rico Population)	August 2011
Important Information about your UBS Charter Visa Signature Credit Card Account	September 2011
Important Information about your UBS Visa Signature Credit Card Account (Select and Premier Program Levels)	September 2010

Product and service-specific information	Date
Investing in 529 plans	July 2011
Understanding mutual fund share classes and fees	July 2011
Understanding our fees, charges and other compensation	July 2011
Understanding unit investment trusts	September 2011

Prospectuses	Date
Retirement Money Fund Prospectus	August 29, 2011
RMA Money Market Funds Prospectus	August 29, 2011
UBS Puerto Rico Short Term Investment Fund, Inc.	October 5, 2011

SIPC and Supplemental Account Protection

As a UBS client, your accounts are covered by certain protections that would go into effect in the unlikely event that UBS Financial Services Inc. fails financially. The Firm is a member of the Securities Investor Protection Corporation (SIPC), which provides up to $500,000 in account protection per customer, including a maximum of $250,000 for claims of cash. For details about the Firm's SIPC protection, including limitations, refer to the Additional Disclosures section of the Agreements and Disclosures booklet.

UBS also provides supplemental protection, in addition to the standard SIPC account protection. Subject to the policy conditions and limitations, cash holdings for all your accounts at UBS Financial Services Inc. are protected for up to a total of $1.9 million. As of December 10, 2009, the maximum amount payable to all UBS Financial Services Inc. clients under the supplemental policy is $500 million. A full copy of the policy wording is available upon request.

More information about SIPC is available at www.sipc.org. UBS Financial Services Inc. is not a bank. Unless otherwise disclosed, securities and other investments held through UBS Financial Services Inc. are not FDIC insured, not bank guaranteed, and may lose value.