For more account information and terms and conditions governing our deposit accounts, see our "High Rate MoneyMarket Simply Stated Product Guide", "All About Personal Accounts & Services Disclosure and Agreement" and "Personal Accounts Fee Schedule". For more information, visit your local branch or unionbank.com.

(1) Federal regulation limits certain types of withdrawals or transfers from your savings or money market account (including online/telephone transfers and Deposit Overdraft Protection transfers) to a maximum of 6 each monthly statement period (money market accounts) or calendar month (savings accounts or money market accounts when the statement period date was requested on a specific day). Union Bank will charge a $15 Excess Activity Charge for each transfer exceeding the limits. If you exceed these limits, the Bank is required to close your account or convert your account to one not subject to transfer limitations. If your account is closed or converted due to excessive activity, you will not be able to open another Union Bank savings and/or money market account for 12 months from the time the account is closed or converted.

(2) The High Rate MoneyMarket account requires a minimum opening deposit of $10,000 and must be linked to an eligible personal checking account. If the daily Ledger Balance is less than $10,000, the interest rate for the regular MoneyMarket account will apply that day. Avoid the Monthly Service Charge on your High Rate MoneyMarket account when you maintain a minimum daily ledger balance of $10,000 in your High Rate MoneyMarket account.

(3) No ATM fee at Union Bank ATMs. Fees may apply to use your Union Bank ATM or debit card at non-Union Bank ATMs or to obtain an ATM mini-statement.  Point-of-sale merchants may also add a surcharge.