# Union Bank, N.A. Market-Linked Certificates of Deposit, due March 30, 2018 (MLCD No. 340) Currency Basket Return

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6 Sample Scenarios The following tables show four different scenarios for calculating the Payment at Maturity over the term of the MLCDs. These hypothetical examples are for purposes of illustration only. The actual Payment at Maturity will depend on the Final Basket Value. Scenario 1 shows that the movement of one or more of the Basket Currencies can offset the depreciation of one or more other Basket Currencies. In this scenario, the Brazilian Real and the Russian Ruble both appreciate against the U.S. Dollar by more than the amount that the Indian Rupee and the Chinese Renminbi both depreciate against the U.S. Dollar. However, because the Indexed Interest Amount is still less than the Minimum Indexed Amount, the Payment at Maturity is equal to the Deposit Amount plus the Minimum Indexed Interest Amount. Initial Exchange Rate Final Exchange Rate Final Basket Value Scenario Currency Currency Return Brazilian Real % 1 Russian Ruble % Indian Rupee % Chinese Renminbi % The Final Basket Value in the above scenario would equal 100 x [1 + ( x 25%) + ( x 25%) + ( x 25%) + ( x 25%)], or The Indexed Interest Amount for each \$1,000 Deposit Amount of an MLCD would be: \$1,000 x 120% x ( )/100 = \$18.45 Since this is less than the Minimum Indexed Interest Amount of \$40, the Payment at Maturity would be: \$1,000 + (4.00% x \$1,000) = \$1, Scenario 2 shows the depreciation of all four of the Basket Currencies against the U.S. Dollar. In this scenario, the Brazilian Real, Russian Ruble, Indian Rupee, and Chinese Renminbi all depreciate against the U.S. Dollar. The Payment at Maturity is equal to the Deposit Amount plus the Minimum Indexed Interest Amount. Initial Exchange Rate Final Exchange Rate Final Basket Value Scenario Currency Currency Return Brazilian Real % 2 Russian Ruble % Indian Rupee % Chinese Renminbi % The Final Basket Value in the above scenario would equal 100 x [1 + ( x 25%) + ( x 25%) + ( x 25%) + ( x 25%)], or The Indexed Interest Amount for each \$1,000 Deposit Amount of an MLCD would be: \$1,000 x 120% x ( )/100 = -\$52.86 Since this is less than the Minimum Indexed Interest Amount of \$40, the Payment at Maturity would be: \$1,000 + (4.00% x \$1,000) = \$1,

7 Scenario 3 shows the appreciation of all four of the Basket Currencies against the U.S. Dollar. In this scenario, the Brazilian Real, Russian Ruble, Indian Rupee, and Chinese Renminbi all appreciate against the U.S. Dollar. The Payment at Maturity is equal to the Deposit Amount plus the Indexed Interest Amount. Initial Exchange Rate Final Exchange Rate Final Basket Value Scenario Currency Currency Return Brazilian Real % 3 Russian Ruble % Indian Rupee % Chinese Renminbi % The Final Basket Value in the above scenario would equal 100 x [1 + ( x 25%) + ( x 25%) + ( x 25%) + ( x 25%)], or The Indexed Interest Amount for each \$1,000 Deposit Amount of an MLCD would be: \$1,000 x 120% x ( )/100 = \$ Since this is greater than the Minimum Indexed Interest Amount, the Payment at Maturity would be: \$1,000 + \$ = \$1, Scenario 4 shows that the depreciation of one of the Basket Currencies can offset the appreciation of the other three Basket Currencies. In this scenario, the percentage by which the Russian Ruble depreciates against the U.S. Dollar is greater than the aggregate percentage by which the Brazilian Real, the Indian Rupee, and the Chinese Renminbi appreciate against the U.S. Dollar. The Payment at Maturity is equal to the Deposit Amount plus the Minimum Indexed Interest Amount. Initial Exchange Rate Final Exchange Rate Final Basket Value Scenario Currency Currency Return Brazilian Real % 4 Russian Ruble % Indian Rupee % Chinese Renminbi % The Final Basket Value in the above scenario would equal 100 x [1 + ( x 25%) + ( x 25%) + ( x 25%) + ( x 25%)], or The Indexed Interest Amount for each \$1,000 Deposit Amount of an MLCD would be: \$1,000 x 120% x ( )/100 = -\$10.35 Since this is less than the Minimum Indexed Interest Amount of \$40, the Payment at Maturity would be: \$1,000 + (4.00% x \$1,000) = \$1,

12 Foreign Account Tax Compliance Act The withholding and reporting requirements discussed under Foreign Account Tax Compliance Act in the accompanying Disclosure Statement will generally apply to payments made after June 30, However, the withholding tax will not be imposed on payments pursuant to obligations outstanding on July 1, Foreign financial institutions and non-financial foreign entities located in jurisdictions that have an intergovernmental agreement with the United States governing the legislation may be subject to different rules. Prospective purchasers of the MLCDs are urged to consult with their own tax advisors regarding the possible implication of this recently enacted legislation on their investment in the MLCDs. 12

14 TABLE OF CONTENTS Page Summary... 3 Risk Factors... 4 General Description of the MLCDs Union Bank, N.A Payments on the MLCDs Additions and Withdrawals Early Redemption and Early Redemption Penalty Survivor s Option Information with Respect to the Investment Benchmark Market Disruption Events Discontinuance or Modification of an Investment Benchmark Other than an ETF Anti-dilution Adjustments and Liquidation Events Relating to an ETF; Alternate Calculation Minimum Denominations The Calculation Agent Fees and Hedging Purchasing an MLCD Evidence of the Deposits Deposit Insurance General Payments Under Adverse Circumstances United States Federal Income Tax Considerations General U.S. Holders MLCDs with Stated Maturities of One Year or Less ( short-term MLCDs ) MLCDs with Stated Maturities of More Than One Year ( long-term MLCDs ) Additional Medicare Tax Comparison with Conventional Certificates of Deposit Non-U.S. Holders Backup Withholding and Reporting New U.S. Withholding Legislation Union Bank, N.A. Market Linked Certificates of Deposit Disclosure Statement 2

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