Investing with UnionBanc Investment Services

A strategically chosen and managed set of mutual funds and/or Exchange Traded Funds (ETFs) that cover a broad range of strategies and are designed to meet various investment time horizons and risk tolerances

Investment minimum: $50,000

A portfolio of individually owned securities, managed by a third-party investment manager, that can be tailored to fit your investing preferences. You may invest in specific asset classes or choose specific investment styles employed by an asset manager.

Investment minimum: $100,000

An account that allows you and your Financial Advisor to design a portfolio by combining separately managed accounts, mutual funds, and ETFs in a single diversified account

Investment minimum: $150,000

A strategically chosen and managed set of mutual funds or ETFs that cover a broad range of strategies designed to meet various investment time horizons and risk tolerances

Investment minimum: $250,000

Fully customized portfolios designed by a Portfolio Manager based on specific investment objectives and needs for asset preservation, income, or appreciation. Portfolios are based on risk tolerance, time horizon, and investment objectives as identified in your personal profile.

Investment minimum: $1,000,000

For clients with more complex wealth management and investment needs, The Private Bank at Union Bank offers a team of advisors to help you tailor an investment strategy to meet your unique objectives.

Fixed Income Investments are an essential asset class for individuals, corporations, or foundations. UnionBanc Investment Services is one of the few remaining banks to offer clients direct access to institutional-level offerings of all types, including the following:

     •Money Market Funds: A safer liquid alternative that provides current income with a stable value and daily liquidity.

     •Treasury/Agency Bills, Notes and Bonds: Regarded as one of the safest investment alternatives, as the principal and interest is guaranteed by the U.S. government. Maturities are available up to 30 years and offer tax-advantaged income or zero-coupon capital appreciation.

     •Municipal Securities: Issued by states, municipalities, or counties to finance capital expenditures; are exempt from federal taxes and often state taxes; and typically pay interest every six months.

     •Corporate Notes, Bonds and Commercial Paper: Debt of various maturities issued by public and private companies with various credit ratings that pays high levels of taxable income.

Mutual Funds are investment vehicles operated by professional money managers that invest in a diversified basket of securities, which can include individual stocks, bonds, money market instruments, and other assets. They offer the average investor a simple way to diversify their portfolio without having to purchase and/or manage a number of individual securities.

And, generally speaking, the low minimum investment required for many mutual funds makes them accessible to a wide range of investors. For these reasons, a mutual fund is one of the most popular investment vehicles.

Exchange Traded Funds or ETFs are similar to mutual funds in that they represent a diversified portfolio of stocks and bonds. But ETFs are traded on the stock exchange—which means the price of shares is determined by the current market value at that moment and, unlike a mutual fund, the share price of which is calculated once a day. There is no minimum investment required other than the cost of one share.

An annuity is an investment contract with an insurance company which manages your investment on your behalf. You can buy an annuity with a single payment or make periodic payments.

Annuities have two broad phases:

• During the accumulation phase you pay into your annuity and the earnings in your account grow on a fully tax-deferred basis.
• During the distribution phase, typically after age 59 1/2, you receive the full value of your account—principal and interest—in a lump sum or regular payments

We offer three types of annuities:

     •A fixed annuity pays a set rate of return on your money — guaranteed for a specific time period — so you are protected against market volatility

     •A fixed index annuity offers market participation and opportunity growth and principal protection in the event of a down market

     •A variable annuity gives you the opportunity to earn higher returns by investing in a diversified portfolio of securities. It is subject to greater volatility however, including the risk of loss of principal

A fixed annuity might be a good choice for a conservative investor in or near retirement who wants guaranteed income. A variable annuity could help a younger or more-aggressive investor build a retirement nest egg.

529 plans are tax-advantaged savings plans specifically designed to pay for future education costs. Legally known as “qualified tuition plans,” 529 plans are sponsored by states, stage agencies, or educational institutions.

401(k) plans are savings and retirement plans offered by employers. 401(k) plans offer tax breaks for employees as 401(k) contributions are taken before federal or state taxes are withdrawn.

Portfolio Connection® is our money management brokerage account that lets you combine your investments and personal cash management into one convenient account. By doing so you can:

• View portfolio value
• Track brokerage
• Track personal cash management transactions

You may also earn income on uninvested cash in your brokerage account through the Bank Deposit Sweep Program.

The Bank Deposit Sweep Program (BDSP) allows cash balances (or free credit balances) to be automatically “swept” into an interest-bearing deposit account at MUFG Union Bank, N.A.

Once swept into the BDSP, they are covered by FDIC insurance up to the permissible limits. Uninvested funds swept back into your UBIS brokerage account can then be used to purchase stocks, bonds, mutual funds and other securities.

See below for current BDSP rates.