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Household Statement W - Summary For December 2023
Household Statement W - Summary For December 2023
ab
5120 Village Square Drive
Suite D
Paducah KY 42001-9060
Retirement Account
December 2023
ANP7008648695 1223 X23 KQ 0
Member SIPC ANP70006008648695 NP7000347894 00001 1223 031114906 KQ05301LM0 011000 Page 1 of 10
ab Retirement Account Account name: WILLIAM RANDOLPH WRIGHT JR. Your Financial Advisor:
Account type: Individual Retirement Account LYDIA MAY
December 2023 Account number: KQ 05301 LM
ab December 2023
Account type:
Account number:
Individual Retirement Account
KQ 05301 LM
LYDIA MAY
UBS Bank USA Core Savings Account APY Retirement services information
Interest period Nov 7 - Dec 6 2023 Year-End valuation statement - Form 5498
Retain this statement as your year-end valuation. If your asset portfolio includes annuity
Opening UBS Bank USA Core Savings balance Nov 7 $0.00
products and / or alternative investments, or if the value shown in your December statement is
Closing UBS Bank USA Core Savings balance Dec 6 $1,002.64 revised, we will automatically provide you with an updated year-end valuation in January 2024.
This 2023 year-end value of your IRA (or the updated value, if applicable) will be furnished to
Number of days in interest period 30 the Internal Revenue Service. Additionally, if you have or will have attained your Required
Minimum Distribution (RMD) age by the end of 2024, a separate Year-End Valuation Statement
Average daily balance $733.33
will be provided, which includes the RMD amount.
Interest earned $2.64 December 29 value $245,113.46
Annual percentage yield earned 4.47%
Beneficiaries you've named for this account
Our records indicate that a Custom beneficiary document is on file for this account. Please
contact your Financial advisor for further information.
ab December 2023
Account type:
Account number:
Individual Retirement Account
KQ 05301 LM
LYDIA MAY
Your assets
Some prices, income and current values shown may be approximate. As a result, gains and losses may not
be accurately reflected. See Important information about your statement at the end of this document for
more information.
Cash
Cash and money balances
Cash and money balances include available cash balances, UBS Bank USA deposit account balances, UBS For FDIC insurance purposes, deposit balances include deposit account balances held at UBS Bank USA through the
FDIC Insured Deposit Program Bank deposit account balances, UBS Insured Sweep Program deposit UBS cash sweep programs, Certificates of Deposits and UBS Core Savings. FDIC insurance is calculated by
account balances, UBS AG Stamford Branch deposit account balances and money market mutual fund ownership category (e.g., single, joint, retirement, business, trust). As a result, you will need to review your deposit
sweep balances. amounts in each ownership category to determine whether your deposit balances are fully insured. For more
information, visit www.fdic.gov. Please review this section as well as the "Cash alternatives" and "Fixed income"
Deposit account balances at UBS Bank USA and all banks participating in the UBS FDIC-Insured Deposit sections to review the current deposit balances held at UBS Bank USA.
Program and the UBS Insured Sweep Program are insured by the FDIC up to $250,000 per depositor per
ownership category, but are not protected by SIPC. UBS AG Stamford Branch deposit account balances See the Important information about your statement at the end of this document for details about those balances.
are not insured by the FDIC and are not protected by SIPC. Money market sweep balances are protected
by SIPC but are not insured by the FDIC.
Opening balance Closing balance Price per share Average Dividend/Interest Days in
Holding on Dec 1 ($) on Dec 29 ($) on Dec 29 ($) rate period period
UBS Insured Sweep Prgm 42,124.29 27.54
Fixed income
Certificates of deposit and share certificates
Cost basis has been adjusted for accreted original issue discount (OID) on long-term (more than 1 year) CDs FDIC insurance is calculated by ownership category (e.g., single, joint, retirement, business, trust). As a result,
and share certificates. Cost basis has been adjusted automatically for amortization of premium using the you will need to review your deposit amounts in each ownership category to determine whether your
constant yield method on long-term (more than 1 year) CDs and share certificates. deposit balances are fully insured. For more information, visit www.fdic.gov. Please review this section as
well as the "Cash" and "Cash alternatives" sections to review the current deposit balances held at UBS
CDs are insured by the FDIC up to $250,000 per depositor per ownership category, but are not protected by Bank USA.
SIPC. For FDIC insurance purposes, balances of CDs issued by UBS Bank USA are combined with your other
deposit balances held at UBS Bank USA, including deposits through the UBS cash sweep programs and UBS Share certificates are NCUA insured up to $250,000 in principal and accrued and posted dividends per
Core Savings. qualifying account and per credit union, in accordance with NCUA rules. Yankee CDs are not insured by
FDIC or NCUA.
Trade Total face value Purchase Adjusted Price on Value on Unrealized Holding
Holding date at maturity ($) price ($) cost basis ($) Dec 29 ($) Dec 29 ($) gain or loss ($) period
SANTANDER BK NA DE US
RATE 05.4000% MAT 11/15/2024
FIXED RATE CD
ACCRUED INTEREST $621.37
CUSIP 80280JWP2
EAI: $5,385 Current yield: 5.39% Nov 14, 23 100,000.000 100.000 100,000.00 100.206 100,206.00 206.00 ST
GOLDMAN SACHS BANK UT US
RATE 05.1000% MAT 12/11/2024
FIXED RATE CD
ACCRUED INTEREST $4.47
CUSIP 38150VQH5
EAI: $102 Current yield: 5.10% Dec 04, 23 2,000.000 100.000 2,000.00 99.952 1,999.04 -0.96 ST
continued next page
ab December 2023
Account type:
Account number:
Individual Retirement Account
KQ 05301 LM
LYDIA MAY
Your assets 4 Fixed income 4 Certificates of deposit and share certificates (continued)
Trade Total face value Purchase Adjusted Price on Value on Unrealized Holding
Holding date at maturity ($) price ($) cost basis ($) Dec 29 ($) Dec 29 ($) gain or loss ($) period
BANK OF AMERICA NA NC US
RATE 05.4000% MAT 05/22/2025
FIXED RATE CD
ACCRUED INTEREST $547.40
CUSIP 06051V5G7
EAI: $5,400 Current yield: 5.37% Nov 14, 23 100,000.000 100.000 100,000.00 100.502 100,502.00 502.00 ST
BK OF AMERICA NA NC US
RATE 05.1500% MAT 06/06/2025
FIXED RATE CD
ACCRUED INTEREST $129.80
CUSIP 06051V5U6
EAI: $2,060 Current yield: 5.14% Dec 04, 23 40,000.000 100.000 40,000.00 100.183 40,073.20 73.20 ST
Total $242,000.000 $242,000.00 $242,780.24 $780.24
Total accrued interest: $1,303.04
Total estimated annual income: $12,947
Investment transactions
For more information about the price/value shown for restricted securities, see Important information about
your statement at the end of this document.
Proceeds from Funds
investment withdrawn for Accrued
Date Activity Description Quantity Value ($) Price ($) transactions ($) investments bought ($) interest ($)
Dec 6 Bought BK OF AMERICA NA NC US RT 05.1500% MAT 40,000.000 100.0000000 -40,000.00
06/06/25 FIXED RATE CD YTM = 5.150
CUSIP: 06051V5U6
Dec 7 Deposit UBS BANK USA CORE SAVINGS AS OF 12/06/23 -2.64
CUSIP: 90499O9A6
Dec 13 Bought GOLDMAN SACHS BANK UT US RT 05.1000% 2,000.000 100.0000000 -2,000.00
MAT 12/11/24 FIXED RATE CD YTM = 5.100
CUSIP: 38150VQH5
Total -$42,002.64
ab December 2023
Account type:
Account number:
Individual Retirement Account
KQ 05301 LM
LYDIA MAY
To update or cancel any of these instructions, please contact your Financial Advisor.
clients. Call feature information is obtained from third determine estimated values and the date of the the Firm will either sell partial units at market price or average daily balance of the account for the previous
parties and its accuracy is not guaranteed. Other call information that is the basis for the estimates. accept an amount determined by a registered clearing quarter. Additional adjustments to the Advisory Fees for
features may exist which could affect yield; complete – Third party estimated values may be reflected as "Not agency, and credit your account. account activity in certain programs (“Pro-rated Quarter
information will be provided upon request. priced "if: an independent valuation firm has not Advisory Relocation Charge,” “Current Quarter
• Price/value. Prices displayed may be higher or lower supplied or is unable to assign a value; we become Assets not held by UBS Financial Services Reallocation Adjustment”), initial fees (“Initial Fee”) and
than the price that you would actually receive in the aware that a material event has occurred that may call Certain assets that are not held by the Firm and not account terminations (“Termination Fee”) will also be
market. Prices are obtained from various third-party a previously reported value into question; or a value within the Firm’s possession or control are displayed for shown. For more information, including details about our
sources which we believe to be reliable, but we do not would be highly speculative due to the nature of the your information and convenience only. Positions and billing practices see the Form ADV Brochure at
guarantee their accuracy. security. values presented are provided by the issuing firm. The ubs.com/formadv, or contact your Financial Advisor.
– We generally use the closing price when available or – When neither an issuer, general partner or sponsor Firm is not responsible for this information and does not
the mean of the bid and ask prices for listed estimated value nor a third-party estimated value is guarantee its accuracy. These assets are not protected Open or "good-till-cancelled" orders
securities and options or only bid prices for OTC provided, the value of the security will be different by SIPC or the Firm’s supplemental SIPC coverage. Open buy and sell stop orders are reduced by the
securities. from its purchase price. amount of dividends or rights on an ex-dividends or ex-
– Less actively traded securities may be priced using a – "Distributions to date" may include return of capital, Revenue sharing and additional compensation rights date unless instructed otherwise by you. You are
valuation model or the most recent price we income, or both. – In addition to commissions on sales and 12b-1 fees responsible for orders that are executed due to your
obtained and may not reflect an actual market price – "Original unit size" represents the initial offering price received in connection with the distribution of mutual failure to cancel existing open orders.
or value. per unit and may not reflect your cost basis. funds to our clients we and/or our affiliate receive
– Certain positions may show as "price was not – DPP and unlisted REIT securities are not listed on a revenue sharing payments from distributors and/or Privacy
available" if we are unable to obtain a price. national securities exchange, and are generally illiquid, advisors of the mutual funds that we sell. These To obtain a copy of our current Client Privacy Notice,
– Deposits or securities denominated in currencies and even if they can be sold, the price received may be amounts are based on two different components: (i) please contact your Financial Advisor or visit our website
other than U.S. dollars are reflected at the exchange less than the per share estimated value provided in the the amount of sales by UBS of a particular mutual at www.ubs.com/global/en/legal/privacy/usa.
rate as of the statement date. account statement. fund family to our clients; and (ii) the asset value of a
– For certain securities trading in non-conforming particular mutual fund family's shares held at the UBS Financial Services is a member of all principal
denominations, price, and quantity (face value) may Estimated income, current yields, and rates firm. security, commodity, and options exchanges. UBS
have been adjusted to facilitate proper valuation. An estimate of annual income is based on current – We and our affiliate also receive networking and Financial Services and UBS Bank USA are indirect
– Restricted securities may not be eligible for public dividend and interest rates, assuming the securities will omnibus processing fees in consideration for transfer subsidiaries of UBS AG and affiliates of UBS Securities
sale. The market price of the unrestricted stock of be held for one year from statement date or until agent services that we provide to the mutual funds. LLC.
the same issuer as an imputed value for the maturity. Actual income and yield might be lower or These fees generally are paid from investor assets in A financial statement of this organization is available for
restricted stock for purposes of this statement only. higher than the estimates. Accuracy of the estimates and the mutual fund and are a fixed dollar amount based your personal inspection at its offices, or a copy of it will
If restricted securities are sold, the value received continued income are not guaranteed. on the number of accounts at the broker-dealer be mailed upon your written request. The Firm's
may be substantially less than the imputed value – Estimated annual income and current yield may holding mutual funds of that fund family. executive offices are at: UBS Financial Services Inc. 1200
shown. include a return of principal or capital gains in which – Our affiliates also receive trading commissions and Harbor Boulevard Weehawken, NJ 07086
To obtain current quotations, when available, contact case the estimate would be overstated. other compensation from mutual funds whose
your Financial Advisor. – An estimate of annualized income is based on the last products we distribute. UBS Financial Services is not a bank. The RMA, Business
payment made by the issuer and assumes the Services Account BSA and IRMA are brokerage accounts
Private investments and structured products securities/deposits will be held for one year from the Commissions and other charges which provide access to banking services and products
Private investment securities (including direct statement date or until maturity. Information regarding commissions and other charges through arrangements with affiliated banks and other
participation program and real estate investment trust related to the execution of trades, including option third-party banks, and provides access to insurance and
securities) and structured products are generally highly Alternative periodic reporting transactions and security futures transactions has been annuity products issued by unaffiliated third-party
illiquid. Certain structured products have not been Where permitted, transactions effected pursuant to a included on confirmations previously furnished to you, insurance companies through insurance agency
registered with the Securities and Exchange Commission periodic plan or an investment company plan, or in and will be provided to you promptly on request. In subsidiaries of UBS Financial Services
or under any state securities laws. We provide estimated shares of certain money market funds are reported on addition to regular account fees, accounts may be
values for informational purposes only. Accuracy is not your periodic account statements in lieu of immediate subject to maintenance fees, charges for late payment Investment, insurance, and annuity products:
guaranteed. trade confirmations. Additional transaction details that for securities purchases and charges for unpaid amounts Not FDIC insured • No bank guarantee• May lose value
– These values may differ substantially from prices, if would ordinarily appear on the trade confirmation will be in cash accounts. Accounts that are transferred to other
any, at which a private investment security or furnished upon written request. institutions may be subject to a transfer fee. If you are © UBS 2017-2023. The key symbol and UBS are among
structured product may be bought or sold and do not engaged in short selling a security, you may incur a the registered and unregistered trademarks of UBS. VISA
necessarily represent the value you may receive upon Dividend Reinvestment Program (DRIP) charge due to certain borrowing costs for that particular is a registered trademark owned by Visa International
liquidation. The price reflected is an average price. You may obtain security. Service Association and used under license. The UBS Visa
– Third party estimates of value are as of a certain date the actual price from your Financial Advisor. Only whole credit cards and the UBS Visa debit cards are issued by
and are supplied to the Firm on a regular basis by an shares are purchased under DRIP; partial shares will be Investment Advisory Program Fees UBS Bank USA with permission from Visa U.S.A.
independent valuation firm. sold, and the cash will be deposited in your account. The Program Fees for Investment Advisory Accounts are Incorporated. Other marks may be trademarks of their
– Issuer, general partner, or sponsor estimated values, if dividend reinvestment price supplied by the issuer may reflected under Account Activity This Month. respective owners. All rights reserved.
any, are supplied to the Firm by such parties and may differ from the market price at which the partial shares “Current Quarter Advisory Fee” represents the UBS
be based on different information than third parties’ are sold. Advisory Fee and, if applicable, SMA Manager Fees that UBS Financial Services Inc.
estimated values. are charged in advance on the net asset value of the Rev. 202307
– Contact your Financial Advisor for additional Fractional shares/ cash-in-lieu account on the last day of the prior calendar quarter.
information regarding the methodology used to If you are entitled to a partial unit as a result of a The “Prior Quarter Fee Adjustment” is the change
dividend payment, corporate action, DRIP or otherwise, (increase or decrease) to the quarterly fee based on the