CMA Affinity Program Offers

Union Bank is proud to partner with the California Medical Association to serve the unique financial

needs of your practice, your staff, and yourself. We approach our customer relationships in much

the same manner a physician would utilize the medical model to provide treatment to their patients.

We identify

Symptoms that may be causing pain to your financial fitness, work with our team of

specialists to

Diagnose what may be causing the pain, and then recommend appropriate Treatment.

Union Bank is dedicated to helping your practice improve revenue cycle management, reduce

potential fraud, provide flexible financing options, add value to your employee relationships,

and provide objective guidance and recommendations to help you personally maintain your

financial fitness.

It would be our privilege to demonstrate our commitment and become a partner in helping to address

your financial needs—so you can spend more time focused on patient care.

Solutions for Your Practice

Business Credit

Save up to $250 in fees on a business loan or

line of credit

Whether you need funds for short-term cash flow,

business expansion, or permanent working capital,

Union Bank can help with a business loan or line of

credit to increase growth while reducing costs.

You may qualify for up to $250 in fee waivers

towards either:

●

Your one-time origination fee on a business loan

OR

●

Your first-year annual fee on a business line of credit

Save up to $1,000 in loan packaging fees on a

Small Business Administration (SBA) 7(a)

business loan

The 7(a) loan program is available to meet a variety of

business financing needs from business acquisition to

debt refinancing. All businesses that are considered for

financing under the SBA 7(a) program must be eligible

under SBA guidelines.

Equipment financing documentation fee waiver

up to $250

Our equipment financing programs provide up to 100%

equipment financing and can include certain “soft” costs

such as shipping, software, and installation as part of the

financing package. This is a great program for practices

looking to acquire or upgrade their electronic medical

record system.

No annual fee business credit card

Manage your business purchasing, travel, and

entertain-ment expenses more efficiently while reducing costs.

Even earn rewards for every qualifying purchase

re-deemable for travel, merchandise, or cash back in the

form of statement credit.

At Union Bank, we’re big on helping to ensure your practice is financially healthy. Understanding that a medical

practice requires a banker to have specialized industry knowledge is the driving principle behind our commitment

to serving your financial needs. Acting as a single point of contact to Union Bank, your representative leads a team

of specialists who work together to identify key areas where our solutions can help increase the financial fitness of

your practice.

We’ve developed a package of discounted banking services specifically for CMA members to accomplish just that,

with up to $2,400 in savings offers for your practice.

Business Checking Account

$100 off first order of business checks when

you open a new Union Bank business checking

account

Save big on your business necessities.

●

$100 off your first order of business checks when

you open a new Union Bank business checking

account.

Merchant Services

Earn $200 in reduced fees

●

Switch to the Union Bank Merchant Services program

through Elavon for fast, secure, and reliable payment

processing, and you can receive $200 in reduced fees

with a new merchant services account.

●

Waived application fee ($100 value)

●

$100 off the purchase price of a new processing

terminal or software capable of supporting multiple

doctors within the same office

AND

●

Customized pricing for CMA member practices

Payroll Processing Solutions

Get up to 15% in monthly payroll savings

Save time and money with convenient payroll solutions.

Service provides tax and benefits processing, direct

deposit, and checks delivered to you or printed in your

office.

●

Receive 15% discount off standard monthly

full-service payroll.

OR

●

Receive your 1st month of online payroll free of

charge, a $35.00 value.

Treasury Management Solutions

Treasury Management set-up fee waiver offers

up to $590

Union Bank offers customized payment solutions

designed to enhance and streamline the way you receive

and process payments. We’ll waive the set-up fees on

the following services:

●

Remote Deposit Services

ACH on the Web

●

Lockbox

Solutions for Physicians

We know you need a bank that thinks about the whole picture—not just your practice. That’s why we offer a

comprehensive suite of relationship banking options plus specialized lending, banking, and investment

_solutions

to meet the diverse financial needs of medical professionals.

Priority Banking

An exclusive program with a consultative approach

to service that revolves around you and your unique

needs.

_{Reward yourself with enhanced privileges,}

special discounts, and complimentary services.

The Private Bank

As the complexity of your wealth grows, we offer

comprehensive wealth management solutions from The

Private Bank. So, regardless of the stage of life you are

in, we can align your practice and personal goals with

custom wealth planning strategies, protect your practice

with succession planning, or establish your legacy with

trust and estate services.

Jumbo Loan solutions for mortgages up to

$5 million

Whether you’re moving into a new house, purchasing

a second home, or refinancing your current residence,

you’ll find a complete range of Jumbo Loans and

financing options at Union Bank. And because we’re a

portfolio lender, you can count on specialized

under-writing for even the most complex mortgages.

Brokerage and Investment Solutions

Rely on the Financial Advisors at UnionBanc Investment

Services

_{to help you create an investment strategy that}

will help you meet your long- and short-term investment

goals. Whether you prefer self-directed brokerage

services or professionally managed accounts, we have

the solutions you need plus the expertise to help you

put it all together.

Signature Banking

Effectively manage your day-to-day personal banking

needs with a specially-designed package of

complimen-tary and discounted services.

Retirement Plans

At Union Bank and UnionBanc Investment Services,

_we

Solutions for Medical Staff

With your account you’ll enjoy:

Personal Checking Account with

no Monthly Service Charge

No Monthly Service Charge when you direct deposit

your payroll check into your new Union Bank Company

Benefits Banking Checking account. You have the option

to deposit your entire paycheck or a designated amount,

and no opening deposit is required when an account is

opened at your company site.

$50 Welcome Bonus

Deposited to the employee’s new Union Bank account

after the first direct deposit is received.

Welcome package of checks

Union Bank Debit MasterCard

Use this card to withdraw cash at ATMs worldwide

and to make purchases wherever Debit MasterCard

is accepted.

Online Banking and Bill Pay

Convenient online access to your Union Bank

accounts 7 days a week. View account balances and

statements, transfer funds, pay bills, and more.

Mobile Banking

Discounted Safe Deposit Box

Receive a $40 discount on the first year of a safe

deposit box rental.

Additional products and services:

Credit Cards with robust Rewards Programs

Whether you’re looking for cash back, travel, or

merchandise, we have the perfect credit card to meet

your needs—most with no annual fee.

UnionBanc Investment Services

Receive a complimentary financial review through our

brokerage subsidiary.

Mortgage Financing

Receive a free consultation with a professional Mortgage

Consultant, up to 90% financing, and $250 off our

origination charge when refinancing or buying a new

home.

Relationship Banking

Union Bank offers a comprehensive array of deposit and

lending services with our Priority Banking

_program.

We are pleased to offer Company Benefits Banking

_{to medical staff. This exclusive program delivers a wide range of}

Solutions for Students

Attending medical school is a privilege for the special few. It is an expensive road with most medical students taking

on a heavy debt to fund their dream. We believe that choosing the right bank is as important as choosing the right

medical school. At Union Bank, we understand your unique financial needs and want to help see you through school,

plan for your future as a medical professional, and beyond.

When you’re in medical school, every dollar counts—so why pay fees when you don’t have to? Union Bank offers

CMA student members a checking account with no Monthly Service Charge

_{and a variety of services including:}

Savings or MoneyMarket Account

Set up your checking account to automatically transfer

funds each month to save for trips, special purchases or

uncertainties.

Mobile

_{and Online Banking}

Convenient access for checking balances, paying bills,

and more. You can also receive either paper or online

statements—the choice is yours.

Union Bank Debit MasterCard

Use it for purchases wherever Debit MasterCard is

accepted.

As your financial needs expand, we have services that can grow with your evolving financial needs such as Investment

Services, Retirement Savings, Relationship Banking, and more.

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

1 _{Offer limited to CMA member practices and collateral located in CA, OR, or WA. Completed applications must be received by Union Bank by 4/30/15 and approved credit booked by 5/31/15. Offer may not be}

combined with other offers, and is not valid on CD- or savings-secured loans or lines of credit.

Not a commitment to lend. Financing subject to credit and collateral approval. Commercial property collateral must be at least 51% owner-occupied. Requires auto debit payment from a Union Bank business checking account. Some out-of-pocket expenses may still apply, such as title insurance, escrow, tax, and recording fees. Other restrictions may apply. Terms and conditions subject to change.

2 _{Union Bank charges a $195 origination fee for lines of credit or loans of up to $100,000, that is waived for CMA member practices. In subsequent years, the lines of credit up to $100,000 are subject to a}

$195 annual renewal fee.

For lines of credit and loans greater than $100,000, Union Bank charges a 0.50% origination fee on the approved amount of the line or loan. For CMA member practices, we will waive up to $250 of the line/loan origination fee. In subsequent years, lines of credit of greater than $100,000 are subject to a 0.50% annual renewal fee.

3 _{Union Bank will waive up to $1,000 of the loan packaging fees for Small Business Administration (SBA) 7(a) loans.}

4 _{Equipment financing is provided by Marlin Leasing Corporation. Union Bank and Marlin Leasing Corporation are separate legal entities, which are not affiliated with each other in any way by common}

ownership, management, control, or otherwise. Union Bank makes no representations or warranties as to the suitability, accuracy, completeness or timeliness of the information provided by third parties. Marlin Leasing Corporation’s equipment financing subject to lessee credit, collateral, and vendor approval. Restrictions may apply. Fee waiver applies to standard documentation fee. Offer valid for completed applications received by 4/30/14 and booked by 5/31/14.

5 _{No annual fee offer applies to Business Edition® Visa® Card, Business Edition® Visa® Card with Maximum Rewards®, or VOX® Business Card. Complete details including restrictions, limitations, and exclusions will}

be available when you become a cardmember. Visa® cards are issued and serviced by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc.®

6 _{Valid for first order of business checks and related eligible supplies from Deluxe For Business (Up to $100 value). New businesses only. Not valid on reorders. Offer expires 4/30/15.} 7 _{©Elavon, 2014. Merchant Services provided by Elavon. Subject to credit approval. Business must be approved for a new merchant account by Elavon by 4/30/15.}

8 _{Offer available for new Paychex clients only and includes basic payroll, payroll tax service, and employee payment options to be credited after processing payroll with Paychex. Subject to change without notice.} 9 _{Business Online Payroll will waive your monthly processing fee for one month—all other fees apply. Business Online Payroll for $35.00 per month is valid for up to 10 employees, then $1.50 per additional}

employee per month. Subject to change without notice.

10 _{Fee waivers available when treasury management solutions used in conjunction with a Union Bank business checking account. Subject to change without notice.}

11 _{Priority Banking is available to individuals and businesses with combined deposits at Union Bank or assets invested with its subsidiaries and/or affiliates totaling $100,000 or more. Terms and conditions subject}

to change. See our All About Personal, or All About Business, Accounts & Services Disclosure and Agreement, Priority Banking Benefits and Features document, applicable personal account Simply Stated Product Guide, and appropriate Fee Schedule for details.

12 _{Wills, trusts and foundations, and wealth and retirement planning strategies have legal, tax, accounting, and other implications. Clients should consult a legal or tax advisor.}

13 _{Certain terms and conditions apply, including minimum credit scores and reserve requirements, and impact the amount that can be borrowed. Loans subject to credit and collateral approval. Financing available}

for collateral located in CA, OR or WA. Restrictions may apply. Terms and conditions subject to change. Union Bank NMLS ID #539249. Consult your Union Bank mortgage consultant for additional details.

14 _{Investments available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC , and subsidiary of MUFG Union Bank, N.A.: • Are NOT insured by the FDIC}

or by any other federal government agency • Are NOT Bank Deposits • Are NOT guaranteed by the Bank or any Bank Affiliate • Are subject to investment risk, including the possible loss of principal.

15 _{Requires a Signature Banking Regular Checking, or Signature Banking Tiered Interest Checking, or a Signature Banking Basic Business Checking and a minimum balance of $25,000, which can be maintained in a}

combination of qualifying accounts. An $18 Monthly Service Charge ($20 with paper statement) will be assessed if the combined average monthly ledger balance falls below $25,000. A minimum deposit of $100 is required to open an account.

16 _{A minimum opening deposit of $100 is required if the account is opened at a banking office. If the application is taken offsite, a minimum direct deposit of $100 is required within 2 statement cycles. You}

can avoid the Monthly Service Charge if you have a single direct deposit of at least $100 per monthly statement cycle or $1,500 average monthly ledger balance or $5,000 monthly combined balance in your linked deposit accounts. If one of these requirements is not met, the Monthly Service Charge of $8 if you receive online statements or $10 if you receive paper statements will apply. Other fees, such as overdraft fees, may still apply.

17 _{$50 welcome bonus applies only to new accounts; direct deposit must be received within 60 calendar days after account opening. As required by law, the cash bonus must be reported as interest paid and}

requires Form 1099-INT be sent for tax purposes.

18 _{Welcome checks contain 25 checks and are a generic style of checks exclusive to Company Benefits Banking. Only first order of standard check style is free. Charges may apply for any other style ordered.} 19 _{Network fees may apply and the owner of a non-Union Bank ATM may impose a surcharge.}

20 _{No fee for Online Banking and Bill Pay for personal accounts. Other charges, such overdraft fees, may still apply.}

21 _{Mobile Banking is offered as a free service to Union Bank Online Banking users. You may incur charges assessed by your mobile service provider. Message and data rates may apply. Recipients of}

payments for goods and services may be charged a fee by PayPal.

22 _{Available to new box customers only. Box size and availability may vary by banking office. Box contents not FDIC insured.}

23 _{Complete details including restrictions, limitations, and exclusions, will be available once your employee becomes a cardmember. Cards are issued and serviced by First Bankcard, a division of}

First National Bank of Omaha.

24 _{Investments available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of MUFG Union Bank, N.A.:}

Are NOT insured by the FDIC or by any other federal government agency

• Are NOT Bank deposits

• Are NOT guaranteed by the Bank or any Bank Affiliate • MAY lose value

25 _{Whether buying or refinancing, Union Bank has a variety of fixed-rate and adjustable-rate home loan and home equity programs with financing available up to 90% LTV. Certain terms and conditions may}

apply, including minimum credit scores and reserve requirements, and impact the amount that can be borrowed. Loans subject to credit and collateral approval. Financing available for collateral located in CA, OR, or WA. Restrictions may apply. Terms and conditions subject to change. Offer for $250 off lender’s origination charge is available for certain mortgage loan programs (excluding the Economic Opportunity Mortgage®) and cannot be combined with other offers. Union Bank NMLS ID #539249.

26 _{For details on Priority Banking, see our All About Personal Accounts & Services Disclosure and Agreement, Priority Banking Benefits and Features document, applicable Simply Stated Product Guide, and}

appropriate Fee Schedule for details.

27 _{Union Bank Ready to Go}SM _{Checking, minimum opening deposit of $100 required. Valid college ID must be presented each year to avoid the Monthly Service Charge, and may be used for 5 consecutive years.}

Minimum age 18.

28 _{No Monthly Service Charge for one personal Regular Savings or MoneyMarket account. Minimum opening deposit of $50 for Regular Savings and $2,500 for MoneyMarket Account is required. Withdrawal and}

transfer limitations may apply.

29 _{Mobile Banking is offered as a free service to Union Bank Online Banking users. However, you must have a web-enabled cell or smart phone to use Mobile Banking. You may incur and are responsible for any}

charges assessed by your mobile service provider. Please consult your service provider for details.

30 _{No fee for Online Banking and Bill Pay for Ready to Go Checking. Other charges, such as overdraft fees, may still apply.}

©2014 MUFG Union Bank, N.A. All Rights Reserved. Member FDIC. Equal Housing Lender.