(1) Investments available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and wholly owned subsidiary of Union Bank of California, N.A.: * Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed.

(2) Insurance products are offered through UBOC Insurance Services, a division of Union Bank of California, N.A. (California Insurance License #0817733), Armstrong/Robataille Business and Insurance Services, a subsidiary of Union Bank of California, N.A. (California Insurance License #0619252), John Burnham Insurance Services, a subsidiary of Union Bank of California, N.A. (California Insurance License #0099753), and Tanner Insurance Brokers Inc., a subsidiary of Union Bank of California, N.A. (California Insurance License #0649666). Insurance products: * Are Not Bank Deposits * Are Not FDIC Insured * Are Not Bank Guaranteed * May Lose Value * Are Products of the Insurance Carrier.