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Welcome to a unique program that puts you at the center of everything we do. When you achieve more, you deserve more a simple idea that has been at the core of Union Bank s service philosophy for nearly 150 years. And more is just what you will receive as a part of our exclusive Priority Banking 1 program. One of the many benefits and privileges you are entitled to is the attention of your own Personal Banker, an experienced professional who can introduce you to the complete resources of Union Bank and its subsidiaries, UnionBanc Investment Services 2 and UBOC Insurance Services. 3 Contents Complimentary and Discounted Services 4 Online Services 6 Investment and Insurance Services 8 Consumer Loans 10 Business Products and Services 12 You and your Personal Banker will work together to create strategies that can help you attain your goals both personal and business and build upon your considerable financial achievements. 84222_0709_Priority_OVW_r5.indd 2-1 5/27/09 12:02:12 PM
Limekiln State Park, Big Sur Priority Banking from Union Bank. It s our pleasure to put the focus on you. With Priority Banking, your financial needs will receive all the attention they deserve. Most importantly, you will work one-on-one with a Personal Banker, a financial professional who will help address your personal and business needs with unique insight and solutions from our banking, lending, investing, * and retirement teams. Banking Services Online Banking Financial Advice Investment Resources* Business Solutions Sample Qualifying Scenario Your Personal Banker Investment Account $35K Union Bank IRA $25K You Business CD Business Account $25K $10K Personal Account $5K $100K * Clients requiring investment and insurance advice will work directly with either Union Bank s brokerage subsidiary, UnionBanc Investment Services, or its insurance division, UBOC Insurance Services. 2,3 To qualify for Priority Banking, you must maintain a minimum of $100,000 on deposit in any combination of Union Bank personal and/or business banking accounts and UnionBanc Investment Services investment or retirement accounts. There are a number of simple ways to help you qualify, such as rolling over your 401(k) into a Union Bank IRA 4 or opening a business CD. 5 2 unionbank.com/priority 1-888-818-6060 union bank 3 84222_0709_Priority_OVW_r5.indd 2-3 5/27/09 12:02:16 PM
Redwoods State Park, Humboldt Complimentary and Discounted Services. A service philosophy that recognizes your accomplishments. Access to Any ATM, Anywhere, with No Fees 6 Priority Banking clients can use any ATM, anywhere in the world, and pay no fees or surcharges. Checking Accounts You will receive two checking accounts free of the regular monthly service charge with a choice between the following types of personal and business options: Personal Checking accounts, such as Regular or Tiered Interest Checking, with free personal checks Business Checking accounts, such as Basic Business Checking or Business Tiered Interest Checking, with free business checks Convenient Overdraft Protection As a Priority Banking client, you are pre-approved for a $1,000 Personal and/or Business Cash Reserve line of credit linked to your checking account, with no annual or transfer fee for automatic protection against overdrafts. 7 With both kinds of accounts, free copies of checks and check images and free stop payments are available whenever you need them. A Free Basic Safe Deposit Box Receive a discount of up to $50 on the annual rental fee on any size Safe Deposit Box. 8 Cashier s Checks, Travelers Cheques, and Personal Money Orders For added convenience and flexibility, these services are available to Priority Banking clients at no charge. Priority Banking Gold MasterCard Debit Card and Debit BusinessCard As a Priority Banking client, you are pre-approved for either a business or a personal debit card. Identity Theft Protection 3 Help safeguard yourself against identity theft with My Privacy Matters SM Identity Theft Protection from Union Bank. It s a complete suite of tools and benefits designed to help you detect unusual credit activity, restore your credit if it s compromised, and protect you online with software for your personal computer all available at a discount for Priority Banking clients. 9 Dedicated Customer Service Call 1-888-818-6060 to speak directly to our Priority Banking customer service experts, available from 6 a.m. to 11 p.m. (Pacific Time), seven days a week. Your Personal Banker A Personal Banker is a financial professional someone who will work closely and diligently with you to: Understand your financial objectives Help create sound financial strategies for the near term and the long term Review and provide you with updates to your strategies as your life evolves You can count on your Personal Banker to connect you with appropriate banking, lending, investing, and retirement expertise and solutions from Union Bank and its subsidiaries. 4 unionbank.com/priority 1-888-818-6060 union bank 5 84222_0709_Priority_OVW_r5.indd 4-5 5/27/09 12:02:21 PM
Union Bank, Los Angeles Online Services. Wherever you go, complete financial control goes with you. Free Online and Internet Business Banking 10 Manage your personal and business finances more easily and efficiently with day or night access to your Union Bank accounts. From anywhere you have Internet access, you can: Monitor your account activity Transfer funds between Union Bank accounts Transfer funds from your accounts at other banks Set up account balance and transaction alerts View online statements and images of checks for over five years Open new bank accounts Manage employee access to your business accounts in real time You can even download your account information to your personal or business financial software, for expanded control and convenience. 11,12 Free Online Bill Pay 10 Making payments online is a quick, easy way to take care of your financial responsibilities with minimum stress: Pay bills or invoices to anyone, anywhere in the United States, until 11:30 p.m. (Pacific Time) Make one-time payments or schedule them in advance Set up recurring payments that are automatically deducted at the frequency you specify Online Statements Reduce waste, save trees, and keep your important account information out of the mail by requesting free online statements. Online statements help protect you from identity theft, and you can always switch back to paper statements at any time. Your Customized Priority Banking Homepage The personalized service that is at the core of Priority Banking extends to your online experience at unionbank.com starting with your very own customized homepage. Each time you log on to Online Banking or Internet Business Banking, you can: Manage all your accounts on a single screen Connect to Priority Banking customer service in seconds through a secure online message channel Select which stocks you want to track with your own stock ticker chart 2 Read the latest business news View contact information for your Priority Banking team 6 unionbank.com/priority 1-888-818-6060 union bank 7 84222_0709_Priority_OVW_r5.indd 6-7 5/27/09 12:02:26 PM
Pacific Ocean, Point Reyes Investment and Insurance Services. Working together to plan for your future. Brokerage Services Your Personal Banker will provide you with access to a licensed Financial Advisor from our subsidiary, UnionBanc Investment Services. Your Financial Advisor is available to provide a range of personalized brokerage services, including: A free portfolio consultation and investment review The level of financial planning assistance you choose, from self-directed brokerage accounts to fully managed programs Your Financial Advisor will take the time to get to know your needs and goals both personal and business and help you create strategies to work toward them. Portfolio Connection Account 2 Offered through UnionBanc Investment Services, the brokerage subsidiary of Union Bank, Portfolio Connection consolidates investment and personal cash management services like check writing, into one integrated brokerage account. Portfolio Connection also provides convenient services, including: A comprehensive statement covering brokerage and cash management transactions Customized investing 13,14 Self-directed stock, options, and mutual fund trading 529 College Savings Plans Talk with a Financial Advisor about strategies for covering college tuition for your children or grandchildren or possibly even a postgraduate degree for yourself. A taxadvantaged 529 College Savings Plan could help ensure that you have the money you need to cover escalating college expenses. 2,15 Insurance Services Ensuring that you are adequately covered for the unexpected events in life is a key element of any sound financial strategy. A representative from UBOC Insurance Services can guide you through a range of quality insurance products to help protect you and your loved ones, including Life and Long- Term Care Insurance. 3 Your Complimentary Retirement Income Evaluation 16 A licensed Financial Advisor from our brokerage subsidiary, UnionBanc Investment Services, will offer a thorough review of your retirement readiness. You will receive a customized report like the one above, as well as a plan of action to help ensure you stay on track to meet your goals. Your evaluation will help you: See your predicted income at retirement Estimate how long your savings may last Determine which investment options can provide you with an appropriate balance of risk and return Find out if your savings will cover future healthcare costs 8 unionbank.com/priority 1-888-818-6060 union bank 9 84222_0709_Priority_OVW_r5.indd 8-9 5/27/09 12:02:30 PM
Garden, Santa Barbara Consumer Loans. Your dreams financed, not deferred. Free Loan Consultation Your Personal Banker will connect you with a Union Bank mortgage professional, who will discuss your mortgage needs, help you understand the features and benefits of our mortgage products, and introduce you to options that maximize the use of your home equity. 17 Loans for Larger Homes Big dreams require bigger mortgages. That s why financing for a more expensive property, such as a larger house or a vacation home, is available with a Union Bank Jumbo Home Mortgage. Ask your Personal Banker for details. 17 Discounted Home Equity Accounts Talk to your Personal Banker about your options, including variable- and fixedrate home equity account plans. 17 Car, RV, and Boat Loans Have you found the classic car of your dreams? Or maybe you would like to see a bit of the country in a custom RV? Whatever your vehicle loan needs, you can be pre-approved for a competitive loan with a rate discount of up to 0.50%. All of your documentation fees will also be waived. 17 Unsecured Personal Loans and Lines of Credit Get fast access to funding when you need it, using either a revolving line of credit or a loan with no origination fee. Vacations, weddings, education how you use your available credit is entirely up to you. 17 Reduced Loan Rates 17 Priority Banking clients are eligible for rate discounts of up to 0.50% off our published rates on a variety of consumer loans, from equity to car loans: You are entitled to a 0.25% rate discount, simply for being a Priority Banking client Receive an additional 0.25% off fixed-rate loans when your monthly payments are automatically deducted from your Union Bank checking or savings account 10 unionbank.com/priority 1-888-818-6060 union bank 11 84222_0709_Priority_OVW_r5.indd 10-11 5/27/09 12:02:34 PM
Skyline, San Diego Business Products and Services. Benefits and privileges that extend beyond the personal. Professional, One-on-One Consultation Your Personal Banker will ensure that your business finances receive the same level of professional attention as those for your personal life. That begins with taking the time to understand the history of your business, your current business needs, and your plans for the future. With this knowledge in hand, we will work together to find solutions and create strategies that are best suited to your situation. Discounts on Business Financing Interested in purchasing a building, expanding your business, or leasing equipment? Our business lending products can help you meet your short- and longterm financing needs, take advantage of unexpected opportunities, or simply help cover operating expenses. 18 Better yet, Priority Banking clients are eligible for these money-saving discounts: Receive up to 1% off the standard interest rate on a business loan and/or line of credit Get $150 off the application fee on a business loan and/or the documentation fees on an equipment lease Cash Management Services Increase efficiency and manage your funds more effectively with our solutions for improving cash flow, automating processing, reducing fraud, and lowering operational costs. Our Cash Management services combine the speed of innovative technology with highly personalized services, many of which are available on the Web for even greater convenience. Additional Money-Saving Benefits All Priority Banking clients are eligible for: A pre-approved $1,000 Business Cash Reserve line of credit with no annual or transfer fee, for automatic protection against overdrafts Free stop payments, copies of checks and statements, and confirmations for fund transfers from your Priority Banking checking account Unlimited branch calls and deposits Consolidating Business and Personal Accounts Under One Roof Bring both your business and personal accounts to Union Bank, and experience the benefits of a unified financial strategy. While your accounts will still remain separate, you and your Personal Banker will have the ability to see your entire financial picture, helping you create smarter money-management strategies with greater levels of: Control Benefit from simpler account management and greater liquidity Recognition Gain access to even more exclusive benefits and services Freedom Enjoy more time to pursue business and personal goals Security Rest assured, knowing your money is with a stable, well-managed bank 12 unionbank.com/priority 1-888-818-6060 union bank 13 84222_0709_Priority_OVW_r5.indd 12-13 5/27/09 12:02:38 PM
Bolinas Ridge, Marin County About your benefits. This exclusive Priority Banking program is designed to serve the needs of our highly valued clients. 1 You are entitled to the combination of business and/or personal banking and investment services highlighted below. Complimentary and Discounted Services A Personal Banker Zero ATM Fees Worldwide 2 Two Personal and/or Business Checking Accounts Pre-Approved $1,000 Cash Reserve and/or Line of Credit 3 Cashier s Checks, Travelers Cheques, and Personal Money Orders A Free Basic Safe Deposit Box 4 Priority Banking Gold MasterCard Debit Card and Debit BusinessCard 2 Identity Theft Protection 5 Priority Banking Customer Service Online Services Customized Priority Banking Homepage Free Online and Internet Business Banking 6 Free Online Bill Pay 6 Online Statements Investment and Insurance Services ( Through our brokerage subsidiary, UnionBanc Investment Services, and our insurance division, UBOC Insurance Services) Complimentary Retirement Income Evaluation 7 Brokerage Services 8 Portfolio Connection Account 8 Insurance Services 5 529 College Savings Plan 8,9 Consumer Loans Free Loan Consultation Loans for Larger Mortgages 10 Reduced Rates: Home Equity Accounts 10 Car, RV, and Boat Loans 10 Unsecured Personal Loans and Lines of Credit 10 Business Products and Services Discounts on Business Financing 11 Cash Management Services 14 unionbank.com/priority 1-888-818-6060 84222_0709_Priority_OVW_r5.indd 14-15 5/27/09 12:02:41 PM
NOTES UnionBanCal Corporation is a financial holding company that provides banking and non-banking financial products and services through its subsidiaries and affiliates. UnionBanCal Corporation is a financial holding company that provides banking and non-banking financial products and services through its subsidiaries and affiliates. 1 The Priority Banking program offers a range of Union Bank products and services to individuals and businesses that maintain combined balances of $100,000 or more in qualifying accounts. Terms and conditions are subject to change. See our All About Personal, or All About Business, Accounts & Services Disclosure and Agreement for details. 2 Union Bank will rebate any fee that owners and operators of non-union Bank ATMs may charge for use of their ATMs. 3 Higher credit lines are available with approved credit. Certain fees and other terms and conditions apply, and are subject to change. Refer to the Cash Reserve Account Agreement and Disclosure Statement for full details. 4 Basic safe deposit box, valued at $40. $50 annual rental discount for a larger size safe deposit box. Box size and availability may vary by banking office. 5 Insurance and annuity products offered through UBOC Insurance Services (CA Insurance License #0817733), a division of Union Bank, N.A., and in conjunction with UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank, N.A.: Are NOT insured by the FDIC or by any other federal government agency l Are NOT Bank deposits l Are NOT guaranteed by the Bank or any Bank Affiliate l Variable Life Insurance and Variable Annuity Products MAY lose value l Are products of the insurance carrier 6 Personal or small business accounts only. Other charges, such as NSF Fees, Held Fund Fees, and overdraft fees will still apply. 7 IMPORTANT: The projections or other information generated by the Retirement Income Evaluator Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. This tool uses Monte Carlo simulation methodology to estimate potential income growth, using a minimum of 250 hypothetical market simulations. The market return data used to generate the illustration is intended to provide you with a general idea of how an asset mix similar to your portfolio (or a selected target asset mix) has performed historically. The analysis assumes a level of diversity within each asset class that may differ from that found in your portfolio. Numerous factors make the tool s calculations uncertain, such as the use of assumptions about historical returns, tax rates and inflation as well as the data you have provided. The tool uses financial data provided by third-party vendors in the simulations and the accuracy or timeliness of that data cannot be guaranteed. Taxes, fees, and/or expenses will generally reduce your actual investment returns and are not reflected in the hypothetical illustrations generated by this tool. Results may vary with each use and over time. The Retirement Income Evaluation report is produced using the most recent version of the Fidelity Retirement Income Evaluator SM tool. Retirement Income Evaluation report, recommendations and strategies have legal, tax accounting and other implications. Prior to implementing any Retirement Income Evaluation report, recommendation or strategy, clients should consult their legal, tax, accounting and other experts. 8 Investments and Portfolio Connection are available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank, N.A.: Are NOT insured by the FDIC or by any other federal government agency l Are NOT Bank deposits l Are NOT guaranteed by the Bank or any Bank Affiliate l MAY lose value 9 Before investing in a 529 College Savings Plan, you should carefully consider the fund s investment objectives, risks, charges and expenses. For a prospectus containing this and other information, as well as an Official Statement, contact your UnionBanc Investment Services Financial Advisor or call 800-634-1100. 10 This is not a commitment to lend. Loans subject to credit and property approval, or vehicle/vessel evaluation, as applicable. Financing secured by properties or vehicles/vessels available for collateral located, or vehicles registered, in CA, OR, or WA. Unsecured financing available to residents of CA, OR, or WA. Terms and conditions subject to change. Appropriate insurance must be in effect on the property that secures the account. Priority Banking clients receive 0.25% discount off the published rate for vehicle, personal, or equity accounts and an additional 0.25% off with automatic payments from a Union Bank checking or savings account on fixed-rate loans. If you or we terminate automatic payments, the interest rate on your loan will increase by 0.25% and your monthly payment will increase accordingly. Automatic payment discount not available for mortgage loans. 11 Financing and Leasing subject to credit and collateral approval. Other restrictions apply. Terms and conditions subject to change. Receive up to 1% off the standard posted interest rate on a new business loan/line of credit based on the applicant s banking relationship with Union Bank. The rate discount may be terminated if you no longer meet the minimum account balance requirement. 1 The Priority Banking program offers a range of Union Bank products and services to individuals and businesses that maintain combined balances of $100,000 or more in qualifying accounts. Terms and conditions are subject to change. See our All About Personal, or All About Business, Accounts & Services Disclosure and Agreement for details. 2 Investments and Portfolio Connection are available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank, N.A.: Are NOT insured by the FDIC or by any other federal government agency l Are NOT Bank deposits l Are NOT guaranteed by the Bank or any Bank Affiliate l MAY lose value 3 Insurance and annuity products offered through UBOC Insurance Services (CA Insurance License #0817733), a division of Union Bank, N.A., and in conjunction with UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank, N.A.: Are NOT insured by the FDIC or by any other federal government agency l Are NOT Bank deposits l Are NOT guaranteed by the Bank or any Bank Affiliate l Variable Life Insurance and Variable Annuity Products MAY lose value l Are products of the insurance carrier 4 Tax implications vary. Consult your tax advisor about IRS eligibility requirements and limits on contributions before investing. 5 Bank products available through Union Bank, N.A., such as certificates of deposit, are FDIC insured within permissible limits. 6 Union Bank will rebate any fee that owners and operators of non-union Bank ATMs may charge for use of their ATMs. 7 Cash Reserve credit line of $1,000. Higher credit lines are available with approved credit. Certain fees and other terms and conditions apply, and are subject to change. See our Cash Reserve Account Agreement Disclosure and Statement for details. 8 Basic safe deposit box, valued at $40. $50 annual rental discount for a larger size safe deposit box. Box size and availability may vary by banking office. 9 The Identity Theft Protection regular monthly fee of $12.95 is discounted $9 per month to $3.95 for you, or the fee of $17.95 is discounted $13 per month to $4.95 for you and your spouse. 10 Personal or small business accounts only. Other charges, such as NSF Fees, Held Fund Fees, and overdraft fees will still apply. 11 For personal accounts, free transaction downloads to Quicken or Microsoft Money with Online Banking. 12 For business accounts, free transaction downloads to Quicken, Microsoft Money, or QuickBooks with Internet Business Banking. 13 Option trading requires a separate application and approval. 14 Carefully consider the investment objectives, risks, and charges and expenses before investing in a mutual fund or annuity. A prospectus, which contains this and other important information, may be obtained from a UnionBanc Investment Services Financial Advisor or by calling 1-800-634-1100. Please be sure to read the prospectus carefully before investing. 15 Before investing in a 529 College Savings Plan, you should carefully consider the fund s investment objectives, risks, charges and expenses. For a prospectus containing this and other information, as well as an Official Statement, contact your UnionBanc Investment Services Financial Advisor or call 800-634-1100. 16 IMPORTANT: The projections or other information generated by the Retirement Income Evaluator Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. This tool uses Monte Carlo simulation methodology to estimate potential income growth, using a minimum of 250 hypothetical market simulations. The market return data used to generate the illustration is intended to provide you with a general idea of how an asset mix similar to your portfolio (or a selected target asset mix) has performed historically. The analysis assumes a level of diversity within each asset class that may differ from that found in your portfolio. Numerous factors make the tool s calculations uncertain, such as the use of assumptions about historical returns, tax rates and inflation as well as the data you have provided. The tool uses financial data provided by third-party vendors in the simulations and the accuracy or timeliness of that data cannot be guaranteed. Taxes, fees, and/or expenses will generally reduce your actual investment returns and are not reflected in the hypothetical illustrations generated by this tool. Results may vary with each use and over time. The Retirement Income Evaluation report is produced using the most recent version of the Fidelity Retirement Income Evaluator SM tool. Retirement Income Evaluation report, recommendations and strategies have legal, tax accounting and other implications. Prior to implementing any Retirement Income Evaluation report, recommendation or strategy, clients should consult their legal, tax, accounting and other experts. 17 This is not a commitment to lend. Loans subject to credit and property approval, or vehicle/vessel evaluation, as applicable. Financing secured by properties or vehicles/vessels available for collateral located, or vehicles registered, in CA, OR, or WA. Unsecured financing available to residents of CA, OR, or WA. Terms and conditions subject to change. Appropriate insurance must be in effect on the property that secures the account. Priority Banking clients receive 0.25% discount off the published rate for vehicle, personal, or equity accounts and an additional 0.25% off with automatic payments from a Union Bank checking or savings account on fixed-rate loans. If you or we terminate automatic payments, the interest rate on your loan will increase by 0.25% and your monthly payment will increase accordingly. Automatic payment discount not available for mortgage loans. 18 Financing and Leasing subject to credit and collateral approval. Other restrictions apply. Terms and conditions subject to change. Receive up to 1% off the standard posted interest rate on a new business loan/line of credit based on the applicant s banking relationship with Union Bank. The rate discount may be terminated if you no longer meet the minimum account balance requirement. 2009 Union Bank, N.A. unionbank.com 84222_0709_Priority_OVW_r5.indd 16-17 5/27/09 12:02:43 PM
For more information Call 1-888-818-6060 Visit unionbank.com/priority Stop by a banking office 2009 Union Bank, N.A. unionbank.com 84222 (07/09) 84222_0709_Priority_OVW_r5.indd 18 5/27/09 12:02:49 PM