Dan’s Papers February 17, 2012 danshamptons.com Page 16
Giving your business more financial flexibility
The power of strategic financing A source of liquidity can make a big difference to your business. It enables you to take advantage of growth opportunities, cover operating expenses or just feel more secure when your cash flow is tight. A UBS Credit Line lets you borrow funds for your business using your eligible securities at UBS as collateral.1 You won’t disrupt your underlying investment strategy or sell your holdings, so your assets continue to work for you. And you’ll have a backup source of liquidity that’s available when you need it. Plus, there are no application fees or closing costs.2 Even better, since you may get higher loan-to-asset values at UBS than at other financial institutions, you may find that you have everything you need to move ahead with your business plans. Common uses • Acquisition or expansion • Working capital for receivables or inventory • Refinancing high-interest debt or paying taxes • Buying out business partners • Paying taxes To see how strategic financing can provide the financial flexibility your business may need, please call La Ferla Group. From all of us at La Ferla Group, you have our very best wishes.
A UBS Credit Line is smart, simple and strategic • Competitive fixed and variable interest rates with the ability to lock in rates for up to five years2 • Streamlined application process and timely decisions, usually within a few days3 • Repayment flexibility so you can manage your business cash flow4 • Easy access to funds via checks, federal funds wires or electronic payment through ACH5 • Flexible structure lets you use your personal assets at UBS as collateral for your business loan La Ferla Group UBS Financial Services Inc. 333 Earle Ovington Boulevard, Suite 600 Uniondale, NY 11553 516-745-8900 800-645-5155 877-359-9126 Fax laferlagroup@ubs.com
ubs.com/team/lg
Credit Lines are provided by UBS Bank USA, an affiliate of UBS Financial Services Inc., and are subject to credit approval. Prepayments of Premier Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee. In some large and complex transactions, the application process may take more time. 4 If you decide to defer a payment, the interest will be added to your principal loan balance, provided that your collateral is sufficient to support the increase. 5 The minimum initial advance is $55,000 or such other amount as UBS Bank USA may determine from time to time. The minimum federal funds wire is $2,500. 1 2 3
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. The Resource Management Account® (RMA®) is a brokerage account. Resource Management Account and RMA are registered service marks of UBS Financial Services Inc. UBS Financial Services Inc. is a subsidiary of UBS AG. ©2012 UBS Financial Services Inc. All rights reserved. Member SIPC.
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