Making the Switch How to move your bank accounts to UBS*

��
Making the Switch
How to move your bank accounts to UBS*
The UBS Resource Management Account. Simple. Convenient. Powerful.
*Banking services are provided by UBS Bank USA and other third party banks. UBS Financial Services Inc. is a registered broker-dealer and not a bank
and does not offer bank accounts.
It’s easy to get started.
Think it’s too much trouble to move your bank account?* With our switch kit, you can easily
move your bank accounts from your bank to UBS by following a few simple steps. Start
moving your money today. You can easily enter your information directly into the electronic
forms and print, or print and fill out the forms by hand.
Step 1 Get organized and add banking services to your RMA
• Determine the types of features and services you use at your current bank by reviewing
your last few bank statements.
• Enroll in the banking services you need, such as direct deposit, UBS Card Program,
checkwriting, bill payment, and electronic funds transfer (EFT) service, by simply calling
1-800-RMA-1000 or by contacting your Financial Advisor.
• Determine if you want to retain your existing bank account; for example, for access to
safe deposit boxes, small cash deposits and/or cashier checks.
Step 2 Fund your RMA
• Begin transferring your funds from your existing bank account to your RMA account by
– Writing a check and sending it to your Financial Advisor for deposit, or
– Making a federal funds wire transfer. To arrange for a funds transfer to your RMA,
instruct your bank to wire the funds with your name and RMA number to:
Tip: Be sure to leave
sufficient funds in your
existing account to cover
any outstanding checks
or pending automatic
payments, such as
insurance payments and
federal and state tax
payments, which can
occur at irregular intervals
such as bimonthly,
quarterly or even on an
annual basis.
UBS AG
ABA #026007993
UBS Financial Services Inc.
Retail Incoming
A/C #101-WA-258641-000
F/C UBS-FINSVC (Enter your name)
A/C-UBS-FINSVC (Enter your account number)
– Make an electronic funds transfer (EFT) by instructing your bank to transfer funds via
Automated Clearinghouse (ACH) to:
JP Morgan Chase Bank, NA
Bank Transit (or Routing) Number 044000804
800 Brooksedge Boulevard, Dept. OH1-0465
Columbus, OH 43271-0465
(Enter your name)
(Enter your account number)
*Banking services are provided by UBS Bank USA and other third party banks. UBS Financial Services Inc. is a registered
broker-dealer and not a bank and does not offer bank accounts.
2
– For RMA checking, use the 10-digit number that begins with an 8. It follows the
routing number on the bottom of the check.
– If you do not have RMA checking, you can provide the alphanumeric UBS Financial Services Inc. account number.
Tip: It typically takes at
least 30 days to establish
a direct deposit.
• Switch your direct deposit
– Print out and complete the Direct Deposit Form. Note: You may be asked to fill
out an additional form by the party making the direct deposit. For example, take the
completed form to your employer’s payroll department for direct deposit of your
payroll to your UBS RMA.
Step 3 Set up your cash access features
Tip: It can take up
to two billing cycles
(30 – 60 days) to establish
automatic payments. Make
sure to continue making
your payments while your
requests are processed.
• Accept the UBS American Express® Card and apply for the UBS Visa Signature®
credit card to get direct access to the available funds in your RMA. Speak with
your Financial Advisor, call 800-762-1000 or visit UBS Online Services at
www.ubs.com/onlineservices.
• Set up your automatic payments. Set up Bill Pay and electronic funds transfer (EFT)
service on OLS. Your Bill Pay and EFT Personal Identification Numbers will be mailed to
your registration address within five business days. Or, fill out these forms:
– UBS Electronic Funds Transfer Service: Complete the EFT Form to move money
quickly and easily from one account to another within UBS and/or other financial
institutions.
– UBS Bill Payment: Complete the UBS Bill Payment Form to automatically pay your
bills directly from your RMA account.
Step 4 Determine if you need to retain your existing account
Tip: All the forms you need
are included at the end of
this document.
• If you opt to keep an existing bank account, simply start using your new RMA
immediately.
• If your existing bank account is no longer required, confirm that all checks and
transactions have cleared your existing banking account before closing the account:
– Print out and complete the Account Closing Form and send it to your bank.
– Destroy any unused checks, ATMs/debit and credit cards, and deposit slips associated
with the bank account you are closing.
• Remember to keep a copy of all documents, letters and forms for your personal records.
For more information, please call: 1-800-RMA-1000.
3
Manage your everyday finances.
Easily and conveniently.
Account safety and security:
• FDIC: UBS Bank USA is an FDIC member. FDIC deposit insurance protects your deposit
accounts at UBS Bank USA in accordance with FDIC rules. To learn more about FDIC
deposit insurance, visit www.fdic.gov.
• SIPC: Your assets held at UBS Financial Services Inc. are protected by SIPC and our
supplemental insurance. Only brokers-dealers are eligible to be members of SIPC.
To learn more about SIPC coverage, visit www.SIPC.org.
Direct deposit: Payroll, Social Security or pension payments can be electronically deposited
directly into your account. It’s safe and convenient. Plus, we’ll automatically waive your
primary RMA annual account fee of $150 when you establish a qualifying direct deposit into
your RMA account.1
Free cards and rewards program: Deferred debit and credit cards with consolidated
rewards points are available.2
Unlimited ATM fee rebates: Use your UBS American Express Card or UBS Visa Signature
credit card to get cash at banks and ATMs worldwide. And, you’ll be automatically
reimbursed for any ATM transaction fees, up to $3.00 per transaction, for an unlimited
number of transactions every month.
Free unlimited checkwriting: There are no minimum requirements, no monthly service
charges, no limits on the number of checks you can write each month, and no per-check
usage charges. Complimentary checks and reorders are available upon request.3
Free online bill payment: Convenient automatic bill payment is available to you through
UBS Online Services at http://www.ubs.com. Payments are made directly from your RMA.
Electronic funds transfer (EFT) service: Quickly and easily move funds from one account
to another, including to and from your accounts at UBS or other financial institutions.
Free wire transfers: Incoming wire transfers are free. RMA, IRA, IRA RMA and Business
Services Account BSA® (Sole Proprietorships only) accounts residing within the same
Marketing Relationship as the primary RMA account receive three free wire transfers
per year.
Automatic sweep of cash balances: Your available cash can work harder with automatic
sweeps to an FDIC-insured bank account or tax-exempt money fund on each business day.4
Consolidated reporting: Get a complete picture of your accounts at the end of every month.
UBS Online Services (OLS): Easy online access lets you pay bills, monitor balances and
account activity, transfer funds between accounts, reorder checks, view and print images of
cleared checks and obtain UBS Wealth Management Research reports, news highlights and
market analysis—whenever, and from wherever, you want.
4
1
Qualifying direct deposits are defined as having direct deposits totaling at least $1,000 per month for the fourmonth period immediately prior to the annual billing date.
2
Rewards points cannot be consolidated across multiple RMAs or Business Services Account BSAs. The minimum
purchase for redemptions is $100.
3
UBS Financial Services Inc. reserves the right to charge a fee for excessive checkwriting.
4
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 deposit accounts at our affiliate, UBS Bank USA (member FDIC). FDIC deposit insurance
protects bank deposits of FDIC-insured banks. On October 3, 2008, the Emergency Economic Stabilization Act
of 2008 temporarily increased insurance coverage limits from $100,000 per depositor to $250,000 per depositor
for accounts other than some retirement accounts (which were already insured up to $250,000). This temporary
increase is effective October 3, 2008, through December 31, 2009.
An
investment in a money fund or other sweep option is neither insured nor guaranteed
by 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 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, 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.
The RMA and Business Services Account BSA are brokerage accounts. Resource Management Account, RMA and Business Services Account
BSA are registered service marks of UBS Financial Services Inc.
Two sources of UBS Research are available to UBS clients. One source is written by UBS Wealth Management Research (WMR) whose primary
business focus is individual investors. The other source is written by UBS Investment Research, whose primary business focus is institutional
investors. The individual report style, length and content are designed to be more easily used by individual investors.
The various research content provided does not take into account the unique investment objectives, financial situation, or particular needs of
any specific individual investor. If you have any questions, please consult your Financial Advisor.
UBS Wealth Management Research is provided by UBS Financial Services Inc. UBS Financial Services Inc. is a subsidiary of UBS AG. In Canada,
UBS Wealth Management Research is provided by UBS Investment Management Canada Inc. All rights reserved. Member SIPC.
American Express is a federally registered service mark of American Express and is used pursuant to a license.
The UBS American Express Card is issued and administered by Barclays Bank Delaware.
Visa Signature is a registered service mark of Visa International. The UBS Visa Signature credit card is issued by Barclays Bank Delaware
pursuant to a license from Visa U.S.A. Incorporated.
©2009 UBS Financial Services Inc. All rights reserved. Member SIPC.
��
UBS Financial Services Inc.
www.ubs.com/financialservicesinc
090114-0158
UBS Financial Services Inc. is a subsidiary of UBS AG.
ab
Direct Deposit Authorization Form
Follow the simple 3-step process below
Direct Deposit at UBS: Benefits to You
• No RMA Annual Fee – the $150 RMA annual service fee is waived for clients with recurring direct deposit
(at least $1000 per month for the four consecutive months prior to year end billing)
• Convenient – Your money is deposited automatically into your UBS RMA account
• Safe – Never worry about checks getting lost, delayed or stolen
Step 1: Account Information – fill in your 10-digit Account
Number from your UBS Financial Services Inc. RMA Checks in
the boxes below
Financial Institution:
JPMorgan Chase
Columbus, Ohio
Type of Account:
Checking
Routing (ABA) Number:
044000804
10-digit Account Number: 8
(Note: UBS 10-digit account number starts with 8)
Step 2: Authorization for Direct Deposit – Please complete the information below and attach a copy of a voided check
I authorize _______________________________ (“Company”) to initiate credit entries (and if necessary, debit entries and
adjustments for any credit entries in error) to my checking account at the financial institution named above. I acknowledge
that the origination of ACH transactions to my account must comply with the provisions of U.S. law. This authorization will
remain in effect until a reasonable time aer the Company has received written notice from me of its termination.
(Enter name of employer/payer institution)
Name (Print)
Signature
Date
Employee ID Number/Social Security Number
(if required by employer/payer institution)
Step 3: Set Up Instructions – Use the table below to find set up instructions, which vary depending on the source of
the deposit
Salary/Wages
(or pension benefits/dividends/investment income)
Social Security Checks
(Do not send this form – use information on this form
when calling or on-line)
1. Fill in this form and sign above
2. Attach voided check (or photocopy of voided check)
3.Send or fax to your employer’s HR dept. (send or fax to
financial institution for dividends / inv. income)
To set up direct deposit for
the first time:
To change an existing direct
deposit:
Visit www.godirect.org
or call Go Direct at
1-800-333-1795
Call 1-800-772-1213
(1-800-325-0778 TTY)
RESET
ab
UBS Financial Services Inc.
Account Number
TIN
FT
bäÉÅíêçåáÅ=cìåÇë=qê~åëÑÉê=pÉêîáÅÉ
Non-UBS Financial Services Inc. Accounts
Complete the information below for your accounts other than UBS Financial Services Inc. accounts. Please Note: Electronic Funds Transfer withdrawals can only be made if you have established a Resource Management Account® (RMA®) or Business Services Account BSA®.
The ABA routing number
usually appears on the
bottom of printed checks
or deposit tickets. Please
attach a voided check
(for checking accounts)
or a deposit slip (for
savings accounts). If
neither is available a
client statement or letter
on bank stationery
confirming account title,
account number, and
ABA routing number is
sufficient.
To transfer funds into a
UBS Financial Services
Inc. account from a UBS
Financial Services Inc. or
external account that is
titled differently, a signed
Letter of Authorization
from all account holders
is required.
If the authorized external
account is a money
market account, select
the “Checking” account
type.
On Demand Transfers
require the client’s verbal
consent for the branch to
initiate the transfer and
are limited to the
External Account
Permission selected for
that account.
AUTHORIZED EXTERNAL FINANCIAL INSTITUTION 1
AUTHORIZED EXTERNAL FINANCIAL INSTITUTION 2
Name of Financial Institution
Name of Financial Institution
ABA Routing Number
Account Number
ABA Routing Number
Account Title/Name
Account Type:
Account Number
Account Title/Name
Savings
Checking
Account Type:
Savings
Checking
Financial Institution Telephone Number
Financial Institution Telephone Number
External Account Permission: (select all that apply)
Deposit to authorized external account
Withdraw from authorized external account
External Account Permission: (select all that apply)
Deposit to authorized external account
Withdraw from authorized external account
Recurring Transfers:
Recurring Transfers:
Recurring Amount ($100,000 maximum - ResourceLine)
Recurring Amount ($100,000 maximum - ResourceLine)
($1,000,000 maximum - Online Services)
($1,000,000 maximum - Online Services)
Recurring Permission: (select one) must also be selected as an external
Recurring Permission: (select one) must also be selected as an external
account permission above
account permission above
Deposit to authorized external account
Withdraw from authorized external account
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
Monthly
Annually
Deposit to authorized external account
Withdraw from authorized external account
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
Monthly
Annually
Start Date (May not be greater than 1 year from the current date)
Start Date (May not be greater than 1 year from the current date)
End Date (May not be greater than 30 years from the start date)
End Date (May not be greater than 30 years from the start date)
On Demand Transfers:
On Demand Transfers:
Transfers permitted
Transfers permitted
Upon verbal authorization in an amount not to exceed
Upon verbal authorization in an amount not to exceed
$________________________ ($100,000 if left blank)
$________________________ ($100,000 if left blank)
024370908
*024370908|R|138|01|02*
AC-FT (Rev. 11/08)
©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 1
RESET
ab
UBS Financial Services Inc.
Account Number
TIN
Electronic Funds Transfer Service continued
UBS Financial Services Inc. Accounts
Complete the information below for your other UBS Financial Services Inc. accounts. Please Note: Electronic Funds Transfer withdrawals can only be
made from a Resource Management Account® (RMA®) or Business Services Account BSA®.
DESIGNATED INTERNAL ACCOUNT 1
DESIGNATED INTERNAL ACCOUNT 2
UBS Financial Services Inc. Account Number
UBS Financial Services Inc. Account Number
Account Title/Name
Account Title/Name
Internal Account Permission: (select all that apply)
Deposit to designated internal account
Withdraw from designated internal account
Internal Account Permission: (select all that apply)
Deposit to designated internal account
Withdraw from designated internal account
Recurring Transfers:
Recurring Transfers:
Recurring Amount ($100,000 maximum - ResourceLine)
Recurring Amount ($100,000 maximum - ResourceLine)
($1,000,000 maximum - Online Services)
Recurring Permission: (select one) must also be selected as an internal
account permission above
account permission above
Deposit to authorized internal account
Withdraw from authorized internal account
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
On Demand Transfers
require the client’s verbal
consent for the branch to
initiate the transfer and
are limited to the Internal
Account Permission
selected for that account.
($1,000,000 maximum - Online Services)
Recurring Permission: (select one) must also be selected as an internal
Deposit to authorized internal account
Withdraw from authorized internal account
Monthly
Annually
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
Monthly
Annually
Start Date (May not be greater than 1 year from the current date)
Start Date (May not be greater than 1 year from the current date)
End Date (May not be greater than 30 years from the start date)
End Date (May not be greater than 30 years from the start date)
On Demand Transfers:
On Demand Transfers:
Transfers permitted
Transfers permitted
Upon verbal authorization in an amount not to exceed
Upon verbal authorization in an amount not to exceed
$________________________ ($100,000 if left blank)
$________________________ ($100,000 if left blank)
Client Authorization
I authorize UBS Financial Services Inc. and its processing institution (the “Processing Bank”) to initiate the types of transactions indicated above (including adjustments for any entries made in error) to or from my account(s) listed above, and authorize the depository(ies) named on my Authorized
External Account(s) or UBS Financial Service Inc. to debit and/or credit the requested transactions to my accounts. I authorize UBS Financial Services
Inc. and the Processing Bank to make changes and/or cancellations to transactions requested by me.
I understand these instructions will remain in effect until UBS Financial Services, Inc. has received written notification from me of termination or modification in such time and manner as to afford UBS Financial Services, Inc. a reasonable opportunity to act on it. If I close or change any account listed
above, I will promptly notify UBS Financial Services Inc. of this change.
I authorize UBS Financial Services Inc. at its option to discontinue the electronic funds transfer service from any accounts listed above if I fail to maintain
adequate funds in such account(s) to cover my requested transfers. All electronic funds transfers will be initiated in accordance with this authorization
and the terms and conditions governing my RMA or Business Services Account BSA. I acknowledge that the initiation of electronic funds transfers must
comply with applicable U.S. law.
Sign Here
Account Holder Signature
Date
Account Holder Signature
Date
024370908
*024370908|R|138|02|02*
AC-FT (Rev. 11/08)
©2008 UBS Financial Services Inc. All rights reserved. Member SIPC
2
ab
UBS Financial Services Inc.
RESET
Account Number
TIN
_áää=m~óãÉåí=pÉêîáÅÉ
The Bill Payment Service
allows you to pay your
bills and/or make payments
to a third party vendor
without writing and mailing
a check. If paying bills via
ResourceLineSM, complete
the information.
Online Services clients
can set up Vendor/Payee
information online.
FA
VENDOR/PAYEE 1
VENDOR/PAYEE 2
Name of Vendor/Payee
Name of Vendor/Payee
Vendor/Payee Account Number
Vendor/Payee Account Number
Vendor/Payee Street Address
Vendor/Payee Street Address
City
State
Zip
City
State
Zip
®
*Please note that RMA
and Business Services
®
Account BSA offers an
easy-to-use expense-coding
system. Using pre-assigned
letters (except H, I, J, O, Q
and X), you may establish
your own expenditure
categories and track them
either on your UBS Financial
Services Inc. check register
or online. When writing
checks and submitting bill
payments, be sure to
indicate your expense code.
For your convenience, all
checking and bill payment
expense codes are totaled
on your monthly premier
statement.
Please attach a separate
sheet to add more
Vendors/Payees.
On Demand Payments
require the client’s verbal
consent for the branch to
initiate the payment.
Vendor/Payee Telephone Number
*Expense Code
Vendor/Payee Telephone Number
(Optional)
*Expense Code
(Optional)
Recurring Payments:
Recurring Payments:
Recurring Amount ($100,000 maximum - ResourceLine)
Recurring Amount ($100,000 maximum - ResourceLine)
($1,000,000 maximum - Online Services)
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
Monthly
Annually
($1,000,000 maximum - Online Services)
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
Monthly
Annually
Start Date (May not be greater than 1 year from the current date)
Start Date (May not be greater than 1 year from the current date)
End Date (May not be greater than 30 years from the start date)
End Date (May not be greater than 30 years from the start date)
Final Payment Amount (specify if different from recurring amount)
Final Payment Amount (specify if different from recurring amount)
On Demand Payments:
On Demand Payments:
Payments permitted
Payments permitted
Upon verbal authorization in an amount not to exceed
Upon verbal authorization in an amount not to exceed
$________________________ ($100,000 if left blank)
$________________________ ($100,000 if left blank)
024370908
*024370908|R|138|01|02*
AC-FA (Rev. 11/08)
©2008 UBS Financial Services Inc. All rights reserved. Member SIPC. 1
ab
RESET
UBS Financial Services Inc.
Account Number
TIN
Bill Payment Service continued
Please attach a separate
sheet to add more
Vendors/Payees.
VENDOR/PAYEE 3
VENDOR/PAYEE 4
Name of Vendor/Payee
Name of Vendor/Payee
Vendor/Payee Account Number
Vendor/Payee Account Number
Vendor/Payee Street Address
Vendor/Payee Street Address
City
State
Vendor/Payee Telephone Number
Zip
*Expense Code
City
State
Vendor/Payee Telephone Number
(Optional)
*Expense Code
(Optional)
Recurring Payments:
Recurring Payments:
Recurring Amount ($100,000 maximum - ResourceLine)
Recurring Amount ($100,000 maximum - ResourceLine)
($1,000,000 maximum - Online Services)
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
On Demand Payments
require the client’s verbal
consent for the branch to
initiate the payment.
Zip
Monthly
Annually
($1,000,000 maximum - Online Services)
Frequency: (select one)
Weekly
Bi-weekly
Quarterly
Semi-annually
Monthly
Annually
Start Date (May not be greater than 1 year from the current date)
Start Date (May not be greater than 1 year from the current date)
End Date (May not be greater than 30 years from the start date)
End Date (May not be greater than 30 years from the start date)
Final Payment Amount (specify if different from recurring amount)
Final Payment Amount (specify if different from recurring amount)
On Demand Payments:
On Demand Payments:
Payments permitted
Payments permitted
Upon verbal authorization in an amount not to exceed
Upon verbal authorization in an amount not to exceed
$________________________ ($100,000 if left blank)
$________________________ ($100,000 if left blank)
Client Authorization
I authorize UBS Financial Services Inc. to initiate payments indicated above (including adjustments for any entries made in error) from my RMA or
Business Services Account BSA , and authorize UBS Financial Service Inc. to debit the same to such account. I authorize UBS Financial Services Inc. to
make changes and/or cancellations to transactions requested by me.
I understand these instructions will remain in effect until UBS Financial Services Inc. has received written notification from me of termination or modification in such time and manner as to afford UBS Financial Services Inc. a reasonable opportunity to act on it.
I authorize UBS Financial Services Inc. at its option to discontinue the Bill Payment service if I fail to maintain adequate funds in the RMA or Business
Services Account BSA to cover my requested payments. All Bill Payments will be initiated in accordance with this authorization and the terms and conditions governing my RMA or Business Services Account BSA. I acknowledge that the initiation of electronic funds transfers must comply with applicable U.S. law.
Sign Here
Account Holder Signature
Date
Account Holder Signature
Date
024370908
*024370908|R|138|02|02*
AC-FA (Rev. 11/08)
©2008 UBS Financial Services Inc. All rights reserved. Member SIPC.2
Account closing form
To whom it may concern,
Please close the following bank account(s):
Checking
Savings
Money market
Checking
Savings
Money market
_____________________________________________________
Name on account
_________________________________________________
Name on account
_____________________________________________________
Account number
_________________________________________________
Account number
All remaining balances should be sent to me via (please check one.):
A.
Automated Clearing House (ACH)
Please provide your bank with the following
transfer information:
JP Morgan Chase Bank, NA
Bank Transit (or Routing) Number 044000804
800 Brooksedge Boulevard, Dept. OH1-0465
Columbus, OH 43271-0465
(Enter your name)
(Enter your account number)
B.
Bank check
Please mail to following address:
Name ____________________________________
Address __________________________________
City _____________________________________
State _________________ Zip code ___________
If you have any questions about this request:
Please contact me at ______________________________________________________________________________________.
Thank you.
Sincerely,
___________________________________________________
Signature
___________________________________________________
Printed name
___________________________________________________
Date
090114-0158