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UBS AG (; SWX: UBSN; ) is a diversified global financial services company, headquartered in Basel and Zürich, Switzerland. It is the world's largest manager of Private Wealth assets, and is also the second largest bank in Europe, by both market capitalisation and profitability. UBS has a major presence in the U.S., with its American headquarters located in Manhattan (Investment Banking); Weehawken, New Jersey (Private Wealth); and Stamford, Connecticut (Capital Markets). UBS's retail offices are located throughout the United States, and in over fifty other countries. UBS is an initialism which originated from a predecessor firm, the Union Bank of Switzerland, however UBS ceased to be considered a representational acronym after its 1998 merger with Swiss Bank Corporation.[1]