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Disclosures

Neither UBS Financial Services Inc. nor its employees (including its Financial Advisors) provide tax or legal advice. You should consult with your legal counsel and/or your accountant or tax professional regarding the legal or tax implications of a particular suggestion, strategy or investment, including any estate planning strategies, before you invest or implement.

Investors should be aware that alternative investments are speculative, subject to substantial risks (including the risks associated with limited liquidity, the use of leverage, short sales and concentrated investments), may involve complex tax structures, strategies and may not be appropriate for all investors. Foreign Currencies are volatile and involve inherent risks including foreign economic, political, monetary and/or legal factors, changing currency exchange rates, foreign taxes, and differences in financial and accounting and regulatory standards.  These risks may be magnified in emerging markets.  International investing may not be for everyone. Investments in commodities may be affected by overall market movements, changes in interest rates and other factors such as weather, disease, embargoes and international economic and political developments. Precious metals are commodities and, with the exception of certain coins, are not legal tender. Investing in precious metals can involve substantial risk. Precious metals are subject to rapid and sudden price movements. Like all commodities, the price of precious metals can fluctuate sharply and rapidly. The market price may fall below the price you paid. If applicable, there also may be state and local sales or use taxes.

Banking and cash management services are provided by UBS Bank USA, a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.