Financing your home to fit the rest of your life. UBS Mortgage

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1 Financing your home to fit the rest of your life UBS Mortgage

2 I didn t realize that UBS even offered home financing. But when I told my Financial Advisor that I was in the market for a vacation home, he jumped into action. Next thing I knew, a whole team of mortgage specialists were working for me.

3 A mortgage strategy built around your overall financial goals Getting a mortgage is more than a one-time transaction. It s the type of decision that impacts your life for years to come. So whether you re looking to buy or refinance, you need a partner who sees your bigger financial picture and understands what you re trying to achieve today and into the future. Building on a solid relationship One of the advantages of turning to UBS Mortgage for your home financing needs is that you ll be working with your Financial Advisor and an experienced team of mortgage professionals. You ll benefit from your existing relationship with your Financial Advisor because he or she already understands your financial goals and knows your risk tolerance. Your Financial Advisor will also introduce you to your dedicated Mortgage Specialist, who will guide you through the entire home financing process, from consultation and application to the loan closing. 1 Expert advice from a dedicated Mortgage Specialist Your Mortgage Specialist is a highly experienced professional who works with you one on one to understand your short- and long-term objectives.

4 Based upon expert knowledge of the residential mortgage marketplace and a keen insight into your specific needs, your Mortgage Specialist is in a unique position to structure a loan that complements your financial strategy. That way you can purchase your home today with the confidence of knowing that your mortgage is part of your overall financial plan. Flexible financing options of up to $10 million Residential mortgage strategies can be as varied as your individual needs. You can choose a fixed or adjustable rate, and even an interest-only loan. Your Mortgage Specialist can help you decide which home financing option works best for you. Home financing strategies include: Conforming mortgages For most borrowers, conforming loans mortgages for up to $417,000 offer the most attractive interest rates. In certain U.S. markets, the median value of homes is greater, so UBS Mortgage offers conforming plus loans of up to $625,500. Jumbo mortgages Sometimes it may be difficult to secure financing for a home above the conforming loan limits, but UBS offers residential mortgages of up to $10 million. While rates are generally higher than for conforming mortgages, UBS Mortgage clients may qualify for preferential pricing. Combination loans You also have the opportunity to combine a traditional home loan with a UBS Securities Backed Credit Line to gain extra financial flexibility. 2 By leveraging your eligible assets at UBS, a Credit Line gives you additional funds that can be used for a bridge loan or renovations. And if you re considering liquidating assets to use toward your down payment, a Credit Line may be a smart alternative because it enables you to keep your investment strategy on track. The attention and advice you deserve Your UBS Mortgage team is focused on simplifying the entire home financing process. Your Mortgage Specialist is there to answer all your questions and provide you with timely information so that you re never left in the dark. 1 UBS Financial Advisors are employees of UBS Financial Services Inc. UBS Mortgage Specialists are employees of UBS AG, Tampa Branch. 2 Credit Lines are provided by UBS Bank USA, an affiliate of UBS Financial Services Inc., and are subject to credit approval.

5 It starts with a conversation If you re considering refinancing, buying your dream home or that vacation cottage by the lake, it s time to speak with your Financial Advisor today. Your Financial Advisor will introduce you to your dedicated UBS Mortgage Specialist. UBS Mortgage offers: Competitive rates A variety of financing options, including jumbo mortgages of up to $10 million A highly experienced Mortgage Specialist and team dedicated to serving you Call your Financial Advisor today or UBS Mortgage at 866-LEND-UBS ( ).

6 UBS Mortgage is a trade name for UBS AG, Tampa Branch or, in certain states for certain products, UBS Bank USA. 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 within the 50 states of the United States of America and the District of Columbia. Equal Opportunity Lender. Equal Housing Lender. Borrowing using securities as collateral entails risk and may not be appropriate for your needs. All loans are subject to credit approval. 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. 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 UBS. All rights reserved. UBS Mortgage M156 UBS Mortgage is a trade name for UBS AG, Tampa Branch or, in certain states for certain products, UBS Bank USA.