Welcome to Union Bank. Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013.

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1 Welcome to Union Bank Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013.

2 Union Bank appreciates your business. Union Bank is honored to have the opportunity to serve your business banking needs. As we prepare to convert your Santa Barbara Bank & Trust accounts and services to similar Union Bank accounts and services, scheduled for April 22, 2013, our top priority is to ensure a smooth transition for you. Contents Business ATM and Debit Cards 2 Electronic Deposits, Payments, and Transfers 3 Internet Business Banking 4 Mobile Business Center 7 Automated Telephone Banking 8 Business Overdraft Services 9 Product Changes and Updates 12 Other Important Updates 26 Contact Information 40 With that in mind, we have created this informative guide for you. It outlines many of the benefits of banking with Union Bank and provides important information about changes to your existing accounts and services. For a complete listing of all of Union Bank s products and services, please visit your local branch or go to unionbank.com. As a business customer of Union Bank, you can look forward to a broader range of banking products, services, and financing, tailored to your specific needs. You can expect personalized service from your relationship manager, backed by the strength and stability of Union Bank and a team of financial professionals with a demonstrated track record of helping clients operate and grow successful businesses. We hope to support your business wherever you operate for many years to come. 2 Union Bank KEY DATES April 2013 April 19, :00 p.m., April 19 6:00 a.m., April 22 (Pacific Time) April 20, 2013 On or about April 21, 2013 April 22, 2013 April 22, 2013 April 22, 2013 If you currently have a Santa Barbara Bank & Trust business ATM or Debit Card, your new Union Bank ATM or Union Bank Debit MasterCard BusinessCard will arrive in the mail. You can activate your card upon receipt. This is your last day to make online banking transactions at sbbt.com (available until 3:00 p.m. Pacific Time). Conversion takes place this weekend. Online banking will be unavailable at sbbt.com and unionbank.com on these dates. You can start using your new Union Bank ATM or Union Bank Debit MasterCard BusinessCard. Please be sure to activate your card. Please give your new card number to any third parties or businesses initiating a charge to your old Santa Barbara Bank & Trust card. If you currently use Santa Barbara Bank & Trust business online banking, your Web Administrator will receive an with instructions to sign on to Union Bank Internet Business Banking and Online Bill Pay service for the first time. If you have authorized any third parties or businesses to debit your account(s) for payments, or to issue a check on your behalf, please give the sender the Union Bank routing number after this date. ABA#: If you have incoming domestic and international wires, the remitting bank may require an ABA number and/or SWIFT Bank Identifier Code. On this date, begin using the following: ABA#: ; SWIFT Bank Identifier Code: BOFCUS33MPK Begin banking at any Union Bank branch or at unionbank.com on this date.

3 Business ATM and Debit Cards If you currently have a Santa Barbara Bank & Trust ATM Card or Debit MasterCard BusinessCard, you will receive a new Union Bank ATM Card or Union Bank Debit MasterCard BusinessCard with a new card number to replace your existing card. Your new Union Bank Debit BusinessCard provides you with the same functionality as your previous Santa Barbara Bank & Trust Bank Debit Card and can be used at millions of retailers that accept the MasterCard Debit Card. You can also use your Union Bank ATM or Debit Card at over 600 Union Bank ATMs and at ATMs worldwide that display the MasterCard or STAR symbol. 1 Your new card will have a single combined point-of-sale (POS) limit for all your purchase transactions no need to remember separate limits for PIN, signature, and online transactions. You ll receive verification of your combined POS limit when you receive your card. You can start using your new Union Bank replacement card on April 20, 2013, after activation. Your new card and card activation instructions will be sent to you before this date. As soon as you activate your new Union Bank card, please inform any third party or business initiating a charge to your Santa Barbara Bank & Trust card of your new card number, effective April 20, Some providers require time to make this change, so informing them immediately of your new card number and effective date will help ensure your services continue without interruption. For your convenience and to help streamline business expense management, additional cards can also be ordered by Contracting Officers. Please visit a Union Bank branch beginning April 22, 2013, for more information. With your new Union Bank Debit BusinessCard, you will also be eligible to participate in the MasterCard Easy Savings automatic rebate program, with participating merchants in categories like travel and entertainment, office supplies, restaurants, and transportation. Additional information about the program will be included with your replacement card. 2 Union Bank Electronic Deposits, Payments, and Transfers If you currently have recurring automatic deposits, payments, wire transfers, or third-party debits to your account(s), you should experience a seamless transition to your new Union Bank account(s). It is important for any outside parties to have the bank s unique routing number to ensure the smooth movement of your funds through the electronic banking system. Please note Union Bank s ABA#: In most cases we will notify outside parties of the change in the routing number (ABA#), but in some cases, action will be required on your part. You can always find your routing number on your checks. Routing Number Account Number If you receive automatic deposits to your account(s) (such as customer payments and ACH transfers), we will notify the sender(s) of the change to the Union Bank routing number (ABA#) and your new account number, if it has changed. If you have any automatic and recurring transfers or payments (such as rent, utilities, Internet service, ACH transfers, wires, etc.) withdrawn from your account(s), we will notify the sender(s) of the change to the Union Bank routing number (ABA#) and your new account number, if it has changed. If you receive recurring wire transfers to your account(s), it is important that you give the sender the Union Bank routing number: ABA# and your new account number, if it has changed, beginning April 22, Please note: We will re-route incoming wire transfers to your account(s) for a period of time; however, it is important that you notify the sender to update their records. If you have authorized any third parties to debit your account(s) for payments or to issue a check on your behalf, you must give the sender the Union Bank routing number: ABA# and your new account number, if it has changed, beginning April 22, Guide for Santa Barbara Bank & Trust Customers 3

4 Internet Business Banking Please note: When your account(s) moves to Union Bank, initially, only your designated Web Administrator on your account will have online access. On or about April 21, 2013, your designated Web Administrator will receive an with instructions to sign on for the first time beginning April 22, Once your designated Web Administrator signs on to Internet Business Banking for the first time and accepts the Business Online Banking Service Agreement, then all authorized users can access the service and register their User IDs and create a new password. REMINDERS Transfer funds between all your Union Bank business accounts, plus transfer funds to and from accounts outside Union Bank. (Please note: Any scheduled/ recurring transfers you have set up between your Santa Barbara Bank & Trust accounts will be transferred to your Union Bank accounts.) Set up alerts to receive notification of account activity to your or cell phone. Access statements and check images online. Pay bills with Online Bill Pay service at no additional charge. Transaction history. As of April 22, 2013, 90 days of historical Santa Barbara Bank & Trust account information will be available on Union Bank Internet Business Banking. Before April 19, 2013 Starting April 22, 2013 Make sure your online banking address is current at sbbt.com (log into online banking and click on the Self Service tab). During the conversion, we will you important information to ensure your online access continues without interruption. Please note: The last day to process online banking transactions on sbbt.com, including accessing Santa Barbara Bank & Trust bill payment service, is April 19, 2013, at 3:00 p.m. (Pacific Time). The following Monday, April 22, 2013, all online banking activities will be conducted at unionbank.com. Your designated Web Administrator will need to sign on to Internet Business Banking for the first time at unionbank.com to register their online User ID and password and to accept the Business Online Banking Service Agreement. (On or about April 21, 2013, your Web Administrator will receive an with instructions.) Familiarize yourself with the new service and select the account alerts you would like to receive. Update your browser bookmarks with unionbank.com. Online Bill Pay. All payees and scheduled/recurring payments that you ve set up through online bill pay at sbbt.com will remain, and Union Bank will continue to support your existing online bill payment service. The only difference will be that you will now be accessing the service through unionbank.com. Any payments you have scheduled to process after April 19, 2013, will be paid through the existing Santa Barbara Bank & Trust service. More information. Many of your questions can be answered with Union Bank s informative Internet Business Banking tutorials, which you can find at unionbank.com. For live assistance, please contact Customer Service at , Monday through Friday, 7:00 a.m. 9:00 p.m., and Saturday, 8:00 a.m. 5:00 p.m., Pacific Time (closed Sunday and holidays). Santa Barbara Bank & Trust online banking will not be available after April 19, Online banking at both sbbt.com and unionbank.com will not be available from 3:00 p.m. April 19, 2013, through 6:00 a.m. April 22, 2013 (Pacific Time).You can begin using Internet Business Banking at unionbank.com on April 22, 2013, with the ability to: Internet Business Banking is available 24 hours a day with the exception of scheduled maintenance periods and any unforeseen system outages. 2 4 Union Bank Guide for Santa Barbara Bank & Trust Customers 5

5 Questions and answers about signing on to Internet Business Banking. Beginning Monday, April 22, 2013: Where do I access my account online? Sign on at unionbank.com. How do I sign on? Enter your User ID when prompted. (Your User ID for unionbank.com should be the same Login ID you used at sbbt.com.) On or about April 21, 2013, you will receive an with instructions to sign on for the first time. Your designated Web Administrator will need to sign on to Internet Business Banking for the first time to register the User ID and create a new password. Mobile Business Center Once your new accounts are active, our Mobile Business Center gives you the flexibility to manage your business accounts even when you re not at a computer. 3 You can access the Mobile Business Center 4 in one of two ways, through our Mobile Website or Mobile Banking Apps: Monitor current account balances. View account transactions, pending payments, and transfers. Send payments to established payees in the U.S. Transfer funds to your other Union Bank accounts. Mobile Business Center Information At A Glance Fees and charges Check balances and transactions Pay bills to established payees in the U.S. Transfer funds between your Union Bank accounts How to get started More information FREE Yes Yes Yes 1. Sign on to the Online Business Center 2. Select Admin Console on the left navigation bar under Tools & Features 3. Under the Manage Services area, locate the new Mobile Business Center service 4. Select Enroll for the user you wish to enroll in the Mobile Business Center Read the Mobile Business Center FAQs at unionbank.com/mobilebanking/smallbusinessfaqs 6 Union Bank Guide for Santa Barbara Bank & Trust Customers 7

6 Automated Telephone Banking As a Union Bank customer, our automated Telephone Banking 5 system gives you secure, convenient access to all your accounts whenever you need it. Without ever having to visit your branch, you can use our automated Telephone Banking system 24 hours a day to access your account(s) information and perform banking transactions. Please note: To access your account(s) via telephone, you will need your Union Bank ATM/Debit Card or your Union Bank account number and PIN. With automated telephone banking you can do all of the following and more: Check account balance. Review checking and savings account activity, including current pending transactions. Pay bills anytime, anywhere. Order copies of checks or statements. Transfer funds. Change your address and PIN. Reorder checks. Deactivate or reactivate your ATM/Debit Card. Get online banking information. Access new product or service information. Request stop payments. Locate a Union Bank ATM or branch near you. Business Overdraft Services Union Bank offers the following choice of overdraft protection services that may help you avoid overdrafts: Business Cash Reserve, Business Line of Credit Overdraft Protection, or Business Savings Overdraft Protection. Business Cash Reserve. If you have a Santa Barbara Bank & Trust business Ready Money SM line of credit account for overdraft protection, your account will convert to a Union Bank Business Cash Reserve Account. 6 A notification of Union Bank Business Cash Reserve terms and conditions was mailed out to all Santa Barbara Bank & Trust Bank business Ready Money line of credit account holders. If you have a business Ready Money line of credit account with Santa Barbara Bank & Trust but did not receive this notification, please contact your local branch. 8 Union Bank Guide for Santa Barbara Bank & Trust Customers 9

7 BUSINESS CASH RESERVE ACCOUNT BUSINESS LINE OF CREDIT OVERDRAFT PROTECTION Annual Fee Interest Transfer Fee Transfer Amount Other Changes $25 annual fee, charged on June 1 of each year For existing Santa Barbara Bank & Trust business Ready Money line of credit account customers converting to the Union Bank Business Cash Reserve Account, the annual fee will be waived for the first year and will be charged on June 1, 2014, and on June 1 of each year thereafter 16.8% fixed APR (Annual Percentage Rate) credit limit up to $5, % fixed APR (Annual Percentage Rate) credit limit of $5,000 or higher A revolving line of credit from which advances are made to cover checking account overdrafts $10 fee each day for advances of $10 or more Advances are made in $1.00 increments to cover the overdraft Monthly minimum payment is 100% of the balance outstanding on the statement date, or if there are insufficient funds in the account to make that payment, the greater of $100 or 15% of the outstanding balance 15 days later For existing Santa Barbara Bank & Trust business Ready Money line of credit account customers converting to the Union Bank Business Cash Reserve Account, from April 2013 through April 2014, the minimum monthly payment is 100% of the balance outstanding on the statement date, or if there are insufficient funds in the account to make that payment, the greater of $100 or 4% of the outstanding balance 15 days later Advance Fee Transfer Amount No annual fee or monthly service charge Automatic advances from your eligible Business Line of Credit to your linked checking to cover overdrafts up to $50,000 or your available Line amount, whichever is less This Business Line of Credit can be linked to multiple checking accounts $10 per day per checking account covered Exact amount to cover overdraft, plus daily advance fee Business Savings Overdraft Protection Plan. If you have Santa Barbara Bank & Trust overdraft protection coverage from a savings account, it will automatically convert to a Union Bank Business Savings Overdraft Protection Plan. 8 Please Note: For the purpose of overdraft protection, only one checking account and one eligible savings account may be linked together. Business accounts may only be linked to other business accounts. For example, business savings accounts may not be used to cover overdrafts on consumer accounts. BUSINESS SAVINGS OVERDRAFT PROTECTION PLAN Business Line of Credit Overdraft Protection. If you have a commercial line of credit from Santa Barbara Bank & Trust that serves as overdraft protection, the overdraft protection service will continue under the Union Bank Business Line of Credit Overdraft Protection 7 service. You will be notified in a separate communication about this line of credit if you do not receive this notification, please contact your local branch. Transfer Fee Transfer Amount No annual fee or monthly service charge Automatic funds transfer from your eligible savings to checking to cover non-sufficient fund items $10 per day Exact amount to cover non-sufficient fund items, plus daily transfer fee 10 Union Bank Guide for Santa Barbara Bank & Trust Customers 11

8 Product Changes and Updates The following tables provide a high-level overview of Union Bank account benefits and features, with some suggestions about other products you may be interested in. Please review them for an understanding of how your account(s) may have changed. For additional information, please see the 2013 All About Business Accounts & Services Disclosure and Agreement and Fee Schedule (CA), if applicable, and the 2013 All About Time Deposit Accounts Disclosure for details on Time Deposit accounts. UNION BANK BUSINESS ESSENTIALS CHECKING Monthly Service Charge Features No monthly service charge in any statement period in which you maintain any of the following: (1) $3,000 daily checking minimum balance (2) $6,000 monthly checking average balance (3) $7,500 monthly average balance of linked accounts If balance is not met: $10 monthly charge (with online statements) $12 monthly charge (with mailed paper statements) (Contact your banker or visit your Union Bank branch for more information about combining your business deposit accounts.) No additional fees each month for 200 combined transactions, which include checks deposited, paid items, and deposits No additional fees each month for $5,000 cash deposits Fees above these limits: Combined transactions: $0.40 per additional combined transactions Cash deposited: $1.50 per $1,000 Union Bank Debit MasterCard BusinessCard or Business ATM Card, and Telephone Banking available Internet Business Banking, Account Alerts, and Online Bill Pay at no additional charge Online transaction downloads to Quicken or QuickBooks at no additional charge when accessed through Internet Business Banking Reduced monthly service charge with online statements and the ability to view check images through Union Bank Internet Business Banking No telephone transfer fee Some Union Bank customers may prefer Union Bank Business Extra Checking to a Union Bank Business Essentials Checking account. Union Bank Business Extra Checking offers advantages for businesses with a high volume of combined transactions and cash deposits each month. See the chart on page 15 for details. 12 Union Bank Guide for Santa Barbara Bank & Trust Customers 13

9 UNION BANK BUSINESS ESSENTIALS INTEREST CHECKING UNION BANK BUSINESS EXTRA CHECKING Monthly Service Charge No monthly service charge in any statement period in which you maintain any of the following: (1) $10,000 monthly checking average balance (2) $20,000 monthly average balance of linked accounts If balance is not met: $20 monthly charge (with online statements) $22 monthly charge (with mailed paper statements) (Contact your banker or visit your Union Bank branch for more information about combining your business deposit accounts.) Monthly Service Charge No monthly service charge in any statement period in which you maintain any of the following: (1) $10,000 monthly checking average balance (2) $20,000 monthly average balance of linked accounts If balance is not met: $20 monthly charge (with online statements) $22 monthly charge (with mailed paper statements) (Contact your banker or visit your Union Bank branch for more information about combining your business deposit accounts.) Features No additional fees each month for 200 combined transactions, which include checks deposited, paid items, and deposits No additional fees each month for $5,000 cash deposits Features No additional fees each month for 500 combined transactions, which include checks deposited, paid items, and deposits No additional fees each month for $20,000 cash deposits Fees above these limits: Fees above these limits: Combined transactions: $0.40 per additional combined transactions Cash deposited: $1.50 per $1,000 Combined transactions: $0.40 per additional combined transactions Cash deposited: $1.50 per $1,000 Interest Tiered, variable interest rates, based on account balance, compounded daily using a 365-day basis and paid monthly to your Union Bank Business Essentials Interest Checking account. For information on current rates, please call your local branch Interest rate tiers are based on these balance ranges: $0 $2,499, $2,500 $9,999, $10,000 $24,999, $25,000 $49,999, $50,000 $99,999, $100,000 $499,999, $500,000 $999,999, $1,000,000 $4,999,999, $5,000,000 $9,999,999, and $10,000,000 and more Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day Interest is accrued on the collected balance Union Bank Debit MasterCard BusinessCard or Business ATM Card, and Telephone Banking available Internet Business Banking, Account Alerts, and Online Bill Pay at no additional charge Online transaction downloads to Quicken or QuickBooks when accessed through Union Bank Internet Business Banking at no additional charge Reduced monthly service charge with online statements and ability to view check images through Internet Business Banking No telephone transfer fee Other Union Bank Debit MasterCard BusinessCard or Business ATM Card, and Telephone Banking available Internet Business Banking, Account Alerts, and Online Bill Pay at no additional charge One linked Business High Rate MoneyMarket Account free of the monthly service charge Four ATM surcharge rebates each month No annual fee on a Business Edition MasterCard Credit Card and earn Maximum Rewards Bonus Points 9 Two incoming wire fee waivers each month Introductory three-month waivers of Web Wire monthly fee No monthly service charge for transaction downloads made by accessing Quicken or QuickBooks software directly; excess transactions and fees will still apply No telephone transfer fee Checking accounts are not eligible to cover another checking account as part of the Business Savings Overdraft Protection Plan See information for Business Savings Overdraft Protection Plan on page Union Bank Guide for Santa Barbara Bank & Trust Customers 15

10 NONPROFIT CHECKING ANALYZED BUSINESS CHECKING Monthly Service Charge Features No monthly service charge No additional fees each month for combined transactions, which include checks deposited, paid items, and deposits No additional fees each month for $1,000 cash deposits Fees above these limits: Cash deposited: $1.25 per $1,000 Features Union Bank s Analyzed Business Checking is a costeffective account that helps offset eligible fees by offering earnings credits based on your combined account balances Receive earnings credits based on your account balances Link multiple business accounts to a master account Receive detailed account analysis statements to monitor account activity Net service charges will be debited on the 25 th of the following month or the next business day if the 25 th falls on a weekend or holiday Union Bank Debit MasterCard BusinessCard or Business ATM Card, and Telephone Banking available Internet Business Banking, Account Alerts, and Online Bill Pay at no additional charge Online transaction downloads to Quicken or QuickBooks when accessed through Union Bank Internet Business Banking, at no additional charge Online statements and ability to view check images through Internet Business Banking at no additional charge No telephone transfer fee Link multiple accounts to maximize your funds to increase earnings credits, which offset service fees Detailed account activity statement for cash management services, paid checks, items deposited, and other banking services to facilitate easy account management Access statements online and view check images in a secure, password-protected environment. Account analysis statements are stored electronically for up to 7 years Other As a special courtesy, analyzed fees will be waived for April 2013 March account analysis fees while at Santa Barbara Bank & Trust will be debited from your Union Bank account on April 25 th In early June 2013, you will receive an account analysis statement user guide that provides an overview of your Union Bank Account Analysis statement INTEREST ON LAWYERS TRUST ACCOUNT (IOLTA) No monthly service charge Earned interest is remitted to the State Bar of California Not eligible for Debit BusinessCard and/or ATM Card Not eligible to link to other accounts for analysis For more information, go to unionbank.com or visit a branch near you. 16 Union Bank Guide for Santa Barbara Bank & Trust Customers 17

11 BUSINESS SAVINGS UNION BANK BUSINESS PREFERRED SAVINGS SM Monthly Service Charge No monthly service charge in any statement period in which you maintain: $500 daily minimum balance Monthly Service Charge No monthly service charge in any statement period in which you maintain: $5,000 minimum daily ledger balance If balance is not met: If balance is not met: $3 monthly charge (with online statements) $5 monthly charge (with mailed paper statements) $10 monthly charge (with online statements) $12 monthly charge (with mailed paper statements) Interest Tiered, variable interest rates, based on account balance, compounded daily using a 365-day basis and paid quarterly to your Business Savings account. For information on current rates, please call your local branch Interest rate tiers are based on these balance ranges: $0 $2,499, $2,500 $9,999, $10,000 $24,999, $25,000 $49,999, $50,000 $99,999, $100,000 $499,999, $500,000 $999,999, $1,000,000 $4,999,999, $5,000,000 $9,999,999, and $10,000,000 and more Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day Interest is accrued on collected balance Interest Tiered, variable interest rates, based on account balance, compounded daily using a 365-day basis and paid quarterly to your Business Preferred Savings account. For information on current rates, please call your local branch Interest rate tiers are based on these balance ranges: $0 $2,499, $2,500 $9,999, $10,000 $24,999, $25,000 $49,999, $50,000 $99,999, $100,000 $499,999, $500,000 $999,999, $1,000,000 $4,999,999, $5,000,000 $9,999,999, and $10,000,000 and more Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day Interest is accrued on collected balance Telephone Banking and Internet Business Banking available Reduced monthly service cost with online statements through Internet Business Banking Telephone Banking and Internet Business Banking available Reduced monthly service cost with online statements through Internet Business Banking Unlimited in-person and ATM withdrawals/transfers 10 Unlimited in-person and ATM withdrawals/transfers 10 May be used for the Business Savings Overdraft Protection Plan to automatically cover overdrafts May be used for the Business Savings Overdraft Protection Plan to automatically cover overdrafts Other Preauthorized transfers, including Business Savings Overdraft Protection Plan transfers, limited to a total of six per month see Transaction Limitation for Savings and Money Market Accounts on page 29 $15 excess transfer fee for each transfer exceeding the allowable limit of six per month May be used to provide Business Savings Overdraft Protection Plan for only one business checking account See information for Business Savings Overdraft Protection Plan on page 11 Other Preauthorized transfers, including Business Savings Overdraft Protection Plan transfers, limited to a total of six per month see Transaction Limitation for Savings and Money Market Accounts on page 29 Requires a linked Union Bank business checking account $15 excess transfer fee for each transfer exceeding the allowable limit of six per month May be used to provide Business Savings Overdraft Protection Plan for only one business checking account See information for Business Savings Overdraft Protection Plan on page 11 Some Union Bank customers may prefer Union Bank Business Preferred Savings SM to a Business Savings account: Union Bank Business Preferred Savings generally offers a higher interest rate and the option to protect your checking account with the Business Savings Overdraft Protection Plan. See page 11 and page 19 for details. 18 Union Bank Guide for Santa Barbara Bank & Trust Customers 19

12 BUSINESS MONEYMARKET ACCOUNT BUSINESS PREMIUM MONEYMARKET ACCOUNT Monthly Service Charge No monthly service charge in any statement period in which you maintain: $3,000 minimum daily ledger balance Monthly Service Charge No monthly service charge in any statement period in which you maintain: $15,000 minimum daily ledger balance If balance is not met: If balance is not met: $8 monthly charge (with online statements) $10 monthly charge (with mailed paper statements) $12 monthly charge (with online statements) $14 monthly charge (with mailed paper statements) Interest Other Tiered, variable interest rates, based on account balance, compounded monthly using a 365-day basis and paid monthly to your Business MoneyMarket Account. For information on current rates, please call your local branch Interest rate tiers are based on these balance ranges: $0 $2,499, $2,500 $9,999, $10,000 $24,999, $25,000 $49,999, $50,000 $99,999, $100,000 $499,999, $500,000 $999,999, $1,000,000 $4,999,999, $5,000,000 $9,999,999, and $10,000,000 and more Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day Interest is accrued on collected balance Business ATM Card, Telephone Banking, and Internet Business Banking available Reduced monthly service charge with online statements through Internet Business Banking Unlimited in-person and ATM withdrawals/transfers 10 Check writing capability Limited transactions such as preauthorized transfers limited to a total of six per month see Transaction Limitation for Savings and Money Market Accounts on page 29 $15 excess transfer fee for each transfer exceeding the allowable limit of six per month Money market accounts are not eligible to cover a checking account as part of the Business Savings Overdraft Protection Plan See information for Business Savings Overdraft Protection Plan on page 11 Interest Other Tiered, variable interest rates, based on account balance, compounded monthly using a 365-day basis and paid monthly to your Business Premium MoneyMarket Account. For information on current rates, please call your local branch Interest rate tiers are based on these balance ranges: $0 $2,499, $2,500 $9,999, $10,000 $24,999, $25,000 $49,999, $50,000 $99,999, $100,000 $499,999, $500,000 $999,999, $1,000,000 $4,999,999, $5,000,000 $9,999,999, and $10,000,000 and more Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day Interest is accrued on collected balance Business ATM Card, Telephone Banking, and Internet Business Banking available Reduced monthly service charge with online statements through Internet Business Banking Unlimited in-person and ATM withdrawals/transfers 10 Limited transactions such as preauthorized transfers and checks apply (total of six per month) see Transaction Limitation for Savings and Money Market Accounts on page 29 $15 excess transfer fee for each transfer exceeding the allowable limit of six per month Money market accounts are not eligible to cover a checking account as part of the Business Savings Overdraft Protection Plan See information for Business Savings Overdraft Protection Plan on page 11 Some Union Bank customers may prefer the following products to a Business MoneyMarket Account: A Business Premium MoneyMarket Account generally features a higher interest rate than a Business MoneyMarket Account. See page 21. A Union Bank Business Preferred Savings account also generally features a higher interest rate but requires a linked checking account. See page Union Bank Guide for Santa Barbara Bank & Trust Customers 21

13 BUSINESS TIME DEPOSIT (CERTIFICATE OF DEPOSIT) For Balances Less Than $100,000 BUSINESS TIME DEPOSIT (CERTIFICATE OF DEPOSIT) For Balances of $100,000 $999,999 Interest The maturity date and interest rate of your Business Time Deposit/Certificate of Deposit (CD) will not change through maturity Compounded daily, using a 365-day basis Interest payment options are: (1) credit to the CD, (2) credit to a Union Bank account, or (3) payment by check to your current mailing address Paid monthly, quarterly, semi-annually, or annually. If the term of your CD is 12 months or less, you may also choose to have interest paid at maturity Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day Interest The maturity date and interest rate of your Business Time Deposit/Certificate of Deposit (CD) will not change through maturity Compounded daily, using a 360-day basis Interest payment options are: (1) credit to the CD, (2) credit to a Union Bank account, or (3) payment by check to your current mailing address Paid monthly, quarterly, semi-annually, or annually. If the term of your CD is 12 months or less, you may also choose to have interest paid at maturity Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day CD terms range from 7 days to 60 months CD terms range from 7 days to 60 months For auto-renewing Business Time Deposits: After maturity, your CD will automatically renew to a Business Time Deposit with the same term unless you specify otherwise within the 10-day grace period (3-day grace period for maturity terms less than 32 days). For information on current rates, please call your local branch For non-renewing Business Time Deposits: After maturity, your CD will no longer accrue interest and may not be automatically renewed you will need to provide instructions For auto-renewing Business Time Deposits: After maturity, your CD will automatically renew to a Business Time Deposit with the same term unless you specify otherwise within the 10-day grace period (3-day grace period for maturity terms less than 32 days). For information on current rates, please call your local branch For non-renewing Business Time Deposits: After maturity, your CD will no longer accrue interest and may not be automatically renewed you will need to provide instructions Other CD is subject to Santa Barbara Bank & Trust early withdrawal penalty 11 if withdrawn before maturity date. After renewal, Union Bank s early withdrawal or compensating penalty 12 will apply. Refer to the 2013 All About Time Deposit Accounts Disclosure for details on Time Deposit accounts Your CD will no longer pay interest during the grace period if you opt to close your account or do not allow for automatic renewal No statements will be issued Other CD is subject to Santa Barbara Bank & Trust early withdrawal penalty 11 if withdrawn before maturity date. After renewal, Union Bank s early withdrawal or compensating penalty 12 will apply. Refer to the 2013 All About Time Deposit Accounts Disclosure for details on Time Deposit accounts Your CD will no longer pay interest during the grace period if you opt to close your account or do not allow for automatic renewal No statements will be issued 22 Union Bank Guide for Santa Barbara Bank & Trust Customers 23

14 BUSINESS TIME DEPOSIT (CERTIFICATE OF DEPOSIT) For Balances of $1,000,000 $9,999,999 BUSINESS TIME DEPOSIT (CERTIFICATE OF DEPOSIT) For Balances of $10 Million or More Interest Other The maturity date and interest rate of your Business Time Deposit/Certificate of Deposit (CD) will not change through maturity Interest is simple (does not compound), using a 360-day basis Interest payment options are: (1) credit to the CD, (2) credit to a Union Bank account, or (3) payment by check to your current mailing address Paid monthly, quarterly, semi-annually, or annually. If the term of your CD is 12 months or less, you may also choose to receive interest paid at maturity Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day CD terms range from 7 days to 60 months For auto-renewing Business Time Deposits: After maturity, your CD will automatically renew to a Time Deposit with the same term unless you specify otherwise within the 10-day grace period (3-day grace period for maturity terms less than 32 days). For information on current rates, please call your local branch For non-renewing Business Time Deposits: After maturity, your CD will no longer accrue interest and may not be automatically renewed you will need to provide instructions CD is subject to Santa Barbara Bank & Trust early withdrawal penalty 11 if withdrawn before the maturity date. After renewal, Union Bank s early withdrawal or compensating penalty 12 will apply. Refer to the 2013 All About Time Deposit Accounts Disclosure for details on Time Deposit accounts Your CD will no longer pay interest during the grace period if you opt to close your account or do not allow for automatic renewal No statements will be issued Interest Other Safe Deposit Box Annual Rental Fee The maturity date and interest rate of your Business Time Deposit/Certificate of Deposit (CD) will not change through maturity Interest is simple (does not compound), using a 360-day basis Interest payment options are: (1) credit to the CD, (2) credit to a Union Bank account, or (3) payment by check to your current mailing address Paid monthly, quarterly, semi-annually, or annually. If the term of your CD is 12 months or less, you may also choose to receive interest paid at maturity Interest will accrue daily only if the balance is high enough to earn at least $0.001 on that day CD terms range from 7 days to 60 months CD is subject to Santa Barbara Bank & Trust early withdrawal penalty 11 if withdrawn before maturity date After maturity, your CD will no longer accrue interest and may not be automatically renewed you will need to provide instructions No statements will be issued The following fees will apply at your first safe deposit box annual renewal after April 22, Size (inches): 13 2 X 5...$ X 5... $ X 5... $ X $ X 5... $ X $ X $ X 16...$ X 10...$ X 10...$ X 10...$ X 10...$ X 16...$ X $ X $ X 22...$ X 44...$ X 20...$ The annual rental fee is determined by box size. You will receive a renewal notice 30 days prior to the payment due date, and the fee will automatically deduct from your deposit account. For additional safe deposit box information, please refer to page Union Bank Guide for Santa Barbara Bank & Trust Customers 25

15 Other Important Updates Funds Availability. Your Ability to Withdraw Funds Our policy is to make funds from your cash and check deposits available to you on the first Business Day after the Business Day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, that after we make funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a Business Day except Saturdays, Sundays, and federal holidays. If you make a deposit before the close of business on a Business Day that we are open (as early as 1:00 p.m. for deposits made at some automated teller machines), we will consider that day to be the day of your deposit. However, if you make a deposit after these hours or on a day that is not considered a Business Day, we will consider that the deposit was made on the next Business Day. This funds availability policy does not apply to checks deposited using a mobile device or other check scanning or check imaging equipment. Such check deposits will generally be available on the first Business Day after the Business Day we receive your deposit. In some cases, we may delay availability of your deposit until the fourth Business Day after the Business Day of your deposit. If we are not going to make your deposit available on the first Business Day, we will notify you. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. The first $200 of your deposit, however, will be available on the first Business Day. If we are not going to make all of the funds from your deposit available on the first Business Day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the Business Day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh Business Day after the day of your deposit. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash and wire transfers, and the first $5,000 of a day s total deposits of cashier s; certified; teller s; travelers; and federal, state, and local government checks will be available on the first Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the seventh Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be 26 Union Bank Guide for Santa Barbara Bank & Trust Customers 27

16 available until the second Business Day after the day of your deposit. Funds from all other check deposits will be available on the seventh Business Day after the day of your deposit. Calculating Interest. How we calculate interest: We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the Collected Balance in the account each day. Interest is calculated on an actual/365-day basis (366 days for leap years), except for certain public fund accounts and time deposits where interest is calculated on an actual/360-day basis. When interest begins: Interest begins to accrue no later than the Business Day we receive credit for the deposit of noncash Items (for example, checks). Interest on cash deposits begins to accrue on the day we receive the deposit. How interest compounds: Interest compounds (is paid on both principal and accrued interest) daily on savings accounts and monthly on interest-bearing checking accounts and money market accounts. When interest does not accrue: No interest accrues unless the Collected Balance in the account is sufficient to earn at least one-tenth of one cent per day at the daily periodic rate in effect. Statements. When you receive statements: You will get a monthly account statement unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. Order of Processing Checks and Other Items. How we may prioritize payments: You agree that we may pay your checks and other Items in any order we choose, and that we may establish different processing priorities and categories for checks and other Items. Within each priority or category, we may process checks and other Items in the order in which we receive them, in check number order, or in the dollar amount order, and we may change these priorities, categories, and orders at any time without notice to you. How we may post items: We will generally, but are not obligated to, post Union Bank Items, transactions, and fees first, followed by ATM Card and Debit Card transactions. We generally post such Items within each category, as designated by us, in ascending order (lowest to highest) by amount. Checks, bill payments, electronic (such as ACH) debits, and other Items will generally then be posted in descending order (highest to lowest) by amount without regard to any specific category. When there are not sufficient Available Funds in an account to cover all of the checks and other Items presented on a given day, some of the priorities, categories, and orders may result in more overdraft or returned Item fees than others. Transaction Limitation for Savings and Money Market Accounts. Transactions involving these accounts are limited by law. You may only make up to six withdrawals and/or transfers each month from savings accounts or per statement cycle (or calendar month if you ask us to generate statements on a specific day) for money market accounts by: Check (for accounts with check privileges) Preauthorized or automatic transfer (e.g., automatic payments to an insurance company) Automatic transfer to a Union Bank deposit account Draft ATM or Debit Card Telephone Mobile Banking Online Banking If you exceed this limitation, we may refuse to honor the excessive transactions, remove your transfer privileges, close the account without prior notice, convert it to another type of account, and/or impose a fee for exceeding the limits. If your account is closed as a result of excessive transactions, you will not be able to open another savings and/or money market account with us for 12 months from the time the account is closed. 28 Union Bank Guide for Santa Barbara Bank & Trust Customers 29

17 Note: We count checks for purposes of the transaction limitation as of the date we post them to your account (not as of the date you write them). As such, a check you write during one statement period may not be counted until a subsequent statement period. This limit does not apply to withdrawals made in person; at an ATM; by mail, messenger, or telephone (via a check mailed to you); or to transfers made to repay a loan with us. Nor is there any limit on the number of deposits that can be made to your account each month (e.g., in person or by preauthorized or automatic transfer). Safe Deposit Box. By maintaining and using safe deposit box services at Union Bank (the Bank ), you agree to the following: There may be a fee associated with this service. Access: You, your Authorized Signer, or any other renter you designate or is otherwise authorized by law (collectively the Renter ) may have access to the box upon acceptable identification. Access to safe deposit boxes is controlled and requires accompaniment by a Bank employee. For security purposes, boxes are equipped with two independent locks one that requires a key you keep in your possession and one that requires the Bank s key. You agree not to duplicate any key. The Bank may refuse to allow more than two persons to enter the safe deposit vault at any one time, and may refuse to allow any person to remain in the vault area longer than is reasonably necessary for opening or closing the box. The Bank may require the Renter to carry the box to a private room or desk located outside the vault. The box may not be removed from the Bank s premises. Death of a Renter: If you or any co-renter dies, becomes bankrupt, or is incapacitated, we may permit access to the box as required by law. Upon death of one or more co-renters, any surviving co-renter or person establishing entitlement under law may access the box to the extent permitted by law. Adverse Claims: If we receive conflicting claims or demands regarding access to the box, we may refuse further access until we receive evidence, satisfactory to us in our sole discretion, of each claimant s right to access the box. Legal Process: You agree that we are authorized to comply with any legal process that we, in good faith, believe is valid. Fees may apply. Storage of Prohibited Property: The box may not be used for the storage of any liquids; gas; controlled substances; weapons; property of an explosive, dangerous, or offensive nature; currency in excess of $10,000; or property the possession of which would be a violation of law ( Prohibited Property ). If you store such Prohibited Property in your box, or we have reason to believe that it is stored in your box, we may, without notice to you, forcibly access, remove, and inventory the contents of the box and turn the Prohibited Property over to the police or other legal authorities, or permit those authorities to inspect any property stored in your box. The inventory shall be deemed conclusive evidence of the contents of the box. The Bank shall further have the right to disclose the name, address, and other identifying information of the Renter to the appropriate authority as it deems necessary under the circumstances, unless otherwise prohibited by law. Safe Deposit Box Fees: The box is rented for a one-year period payable in advance through an automatic charge to your deposit account. Invoiced payment may be requested. The annual rental fee is determined by box size. If a payment is due, an automatic charge notice or invoice is sent approximately 30 days prior to the payment due date. Any increase in rental fees is included in the notice or invoice. If payment is delinquent, we may charge a fee and refuse access to the box until the overdue rent and fees are paid. The following fees may also apply: Key deposit...$20.00 Force box open... minimum $ Late payment fee (charged after 30 days)...$ Union Bank Guide for Santa Barbara Bank & Trust Customers 31

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