From production through processing, whether they be large operations or small family farms, we support agribusiness. Services include operating lines of credit, equipment loans, and development loans for farmers as well as loans or leases for the manufacturers that process and market commodities. These services are also available to those allied with agriculture, such as chemical and fertilizer providers, seed companies, farm equipment dealers, and agricultural nursery operations. From our locations throughout California and the Pacific Northwest, we provide the full range of financial services for those involved in the agribusiness industry. For more information: Chris Nelle, 1-916-321-6722, Sacramento/Stockton; David Stepp, 1-559-436-2708, Fresno/Bakersfield; Mike Hart, 1-503-225-3682, Oregon; Steve Lozano, 1-206-587-4708, Washington; or Rod Douma, 1-209-576-2037, Community Ag/Modesto.

Financing
We customize real estate financing for developers, investors, and owner-occupants for multifamily dwellings, industrial properties, retail centers, and office buildings. Mortgage brokers can access our permanent financing programs expressly for multifamily and income properties. Whether it's permanent mortgages or construction lending, we understand U.S. real estate financing needs and apply our expertise toward meeting each client's investment objectives. We also provide a variety of cash management products and specialized deposit services. For more information: Commercial Mortgage Division, So. CA, Chuck Carillo, 1-213-236-7213; David Takakawa, 1-213-236-7214; No. CA, Jeffery Shaddy, 1-415-705-7109; Pacific Northwest, Patrick Tracy, 1-425-452-1880; Other Locations, Vic Santini, 1-415-705-7101. Apartment & Income Property Division, Garry Warren, 1-714-990-7305; Real Estate Industries Group, Michael Stedman, 1-415-705-7438.

Property Management / Real Estate Treasury Services
Through active membership in real estate associations, and by specializing in real estate-based businesses for more than 40 years, our industry expertise can help make property management operate more efficiently. We offer a complete range of treasury management services and investment products developed specifically to meet the daily operating needs of property managers, asset managers, and property owners. For more information: Jorge Flores, 1-866-372-9133.

We structure and arrange financing for a wide range of media and telecommunications companies, including radio and television broadcasters; newspaper, magazine, and directory publishers; cable television operators and programmers; wireline and wireless telephone service providers; outdoor advertising firms; and telecommunications infrastructure (tower and fiber) companies. In addition to offering a broad array of financing solutions, we also provide customized cash management, retirement plan, trust, derivatives, and investment products to our customers. For more information, please contact Adam Bester at 1-213-236-5298.

Oil and Gas
We have long-term experience effectively financing North American exploration and production companies. We also provide acquisition, construction, and working capital financing to the midstream sector and working capital to the downstream sector. We provide quality transaction execution using a variety of solutions, including project finance underwriting, mezzanine financing, leasing, and energy derivatives. For more information: Calgary, 1-403-264-2700; Dallas, 1-214-922-4200; Houston, 1-713-286-3050.

Independent Power Producers
As one of the first banks to arrange and underwrite large-scale project financings, our experience and expertise are unparalleled. This expertise includes: coal, gas, and renewable energy sources, such as geothermal and wind. Implementation is critical to success. We have a proven track record for underwriting and arranging projects in the energy industry. For more information: Power and Utilities Group, 1-213-236-4222.

Electric and Water Utilities
Work with a bank that has the demonstrated experience needed to see projects through to execution. From project finance underwriting and syndicate financing to credit risk management and leasing, we efficiently implement and arrange financing for utilities. Union Bank is one of the largest and most experienced lenders in the industry -- consistently ranking in the "Top 10 Arrangers" in the league tables. For more information: Power and Utilities Group, 1-213-236-4222.

Getting a project moving can be challenging, but we have the long-standing experience and commitment that can help. We structure financing for studios, independent producers, distributors, and interactive media firms. We support projects by providing working capital and managing foreign exchange and collection accounts. We provide specialized treasury management services for the industry. For more information: 1-310-209-6028.

Our dedicated team of experienced Relationship Managers and specialized customer service associates has been providing solutions and support to the escrow industry for more than 40 years. We provide products and services available over the Web to assist you with the increasing demands of the real estate industry. Online services include wires, stops, returned items, image on demand, and information reporting. For more information: Mary Gomula-Sawa, 1-800-746-5780.

We provide solutions that enable financial institutions -- including community, money-center, and regional banks; savings and loans; thrifts; and credit unions -- to offer cash vault, check-clearing, investments, letters of credit, foreign exchange, and more to their customers, all through one single source. For more information: Les Goodwin, 1-800-449-9904.
 

Regulatory requirements, budgetary constraints, and fiscal mandates are intrinsic to government agency operations. We have developed solutions that make banking easier in this distinct environment -- from electronic access accounts, electronic benefits transfer, and unverified coin deposit services to financing through fixed-income instruments or credit. For more information: Lisa R. Cavallaro, local governments, 1-800-298-1276; Paul Lindsay, state and U.S. governments, 1-800-889-4125.

Homeowners associations benefit from online bank statements to association lockbox services to CoveragePlus(SM) deposit insurance to financing for repairs and improvements. For more information: Mark Reider, 1-800-846-5821.

A full array of deposit and trust services designed for the special needs of labor management are available for co-trustee/custody to participant. From directed investments and securities lending to lockbox processing and business services on the Web, these services help plan administrators and trustees manage their funds. For more information: Diane Williams, 1-213-236-5085; Trevor Lewis, 1-213-236-4061.

Active involvement and a long-standing history of servicing not-for-profits have given us a deep understanding of this sector´s banking requirements. We provide solutions including credit facilities tailored to support timing differences in the collection of grants and contract receivables and investment services for endowment funds and capital campaigns. For more information: contact Kathleen Kavanagh, 1-213-236-4201.

Through active membership in real estate associations, and by specializing in real estate-based businesses for more than 40 years, our industry expertise can help make property management operate more efficiently. We offer a complete range of treasury management services and investment products developed specifically to meet the daily operating needs of property managers, asset managers, and property owners. For more information: Jorge Flores, 1-866-372-9133.

Construction cost is a significant consideration when negotiating construction contracts. We can help you assess which escrow retention method is most suitable. Interest-earning escrows, when used with disbursement services, can make funds available to contractors and subcontractors as soon as they are earned, thereby benefiting the bottom line. For more information: contractor retention escrow services, 1-800-669-8661.

We provide customized banking services to reorganization professionals for Chapter 11 filings. From pre-petition through post-confirmation, we assist debtors-in-possession and their advisors with cash management services. For Chapter 7 Panel Trustees, we offer specialized depository services seamlessly integrated with a leading bankruptcy case management software provider. For more information: Victor Owens, 1-800-846-5249.

With a long-standing commitment to local retailers and regional and national chains, our services range from financing solutions to sophisticated Web treasury management that optimizes cash flow, speeds collections, and improves account management. Our conveniently located cash vaults provide the latest processing technology to help ensure accuracy and lower costs. Our dedicated industry specialists and specialized customer service team deliver customized solutions. We are a valuable resource for your banking needs, including retirement benefit plans and investment services. For more information: Christopher Dixon, 1-213-236-4144.

Union Bank delivers to the technology market a senior team of technology professionals with decades of bank and technology industry experience as CFOs of technology companies, treasurers, and private equity investment professionals. This team effectively advises a wide breadth of clientele from emerging growth to world class technology companies. We are experts in generating capital for business expansion; advising on international expansion or international trade options; and delivering sophisticated treasury, hedging, and asset management expertise to our clients. Our diverse capital and treasury products allow Union Bank to find the right solution at the right time in the growth cycle for a technology company. For more information, call Al Miner at 1-408-279-7742, Ted Bojorquez at 1-408-279-7719, or Michael McCutchin at 1-408-279-7209.

Our 1031 Exchange Accommodator program enables Accommodators to open and close segregated money market accounts online. We also offer daily reconciliation reports and a monthly interest calculation summary by taxpayer, which provide convenient and timely access to account balance and interest-earned information. In addition, we offer a "Master Qualified Escrow Account Agreement" with dual signature requirements. Excess FDIC insurance coverage in the form of a Surety Bond is also available. For more information: Mary Gomula-Sawa, 1-800-746-5780.

Our online account opening and closing procedures, reliable fund transfers, and customized reporting services help optimize efficiency for title companies. We have provided superior and customized service to title companies and 1031 Exchange Accommodators for more than 70 years. For more information: Monica Ng, 1-888-350-6785.

Our lenders have experience in all aspects of providing banking services to the wine industry. We provide a broad range of customized financial services, including working capital lines of credit, equipment term loans, acquisition financing, agricultural production and development loans, commercial real estate loans, cash management and deposit services, trust services, global trade services, and foreign exchange products. At Union Bank, rather than taking a "portfolio" approach to wineries and the industry, we work closely with each customer to craft a financing package and deposit strategy that meet that customer´s specific needs. For more information: Peter Sitov, 1-925-947-2425.