MUFG AMERICAS HOLDINGS CORPORATION Corporate Profile MUFG UNION , N.A.

MUFG Union Bank, N.A., is a full-service bank with offices has strong capital reserves, credit ratings, and capital across the . We provide a wide spectrum ratios relative to peer .1 MUFG Union Bank is a proud of corporate, commercial, retail banking, and wealth member of the UFJ Financial Group (NYSE: MTU), management solutions to meet the needs of customers. one of the world’s largest financial organizations with total The bank also offers an extensive portfolio of value-added assets of approximately ¥298.3 trillion (JPY) or $2.6 trillion solutions for customers, including access to investment (USD),2 as of March 31, 2016. MUFG Americas Holdings banking, personal and corporate trust, capital markets, Corporation, the financial holding company, and global custody, transaction banking, and other services. MUFG Union Bank, N.A., have corporate headquarters With assets of $120.0 billion as of March 31, 2016, the bank in .

Enterprise Summary

The Regional Bank Commercial Banking (cont.) Transaction Banking Retail Banking Owner Occupied Real Estate Finance Deposits & Treasury Management Branch Banking: branches in Structured Project Finance — Payables and Receivables California, Oregon, and Washington Asset Based Lending — Information Reporting — Banking by Design® checking Financial Supply Chain Solutions — Liquidity Management — Online Banking & Bill Pay Liquidity Agency Services Commercial Trade Finance — Mobile Check Deposit & Trade Finance Services Trust & Custody Services Text Banking Global Business Services Specialized Financing (Agriculture, Investment Banking & Markets Residential Lending Non-Profit, Wineries, Healthcare, Commodity & Structured — Fixed and adjustable jumbo Technology, Environmental Services) Trade Finance and conforming mortgages Real Estate Industries Corporate Advisory Wealth Markets Financing solutions for professional Global Financial Solutions The Private Bank real estate investors and developers, Funds Finance — Integrated wealth management including apartment, office, retail, Leasing & Asset Finance & planning industrial, single- and multi-family Project Finance & Export 3 — Investment Management residential, and hotel properties Credit Agency 3 — Risk management throughout major markets on Sales & Trading — Personal trust & estate services the West Coast and in select Securitization — Banking services metropolitan areas in the U.S. Stable Value Products 3 Syndications UnionBanc Investment Services LLC: U.S. Wholesale Banking registered broker-dealer and Asian Corporate Banking investment adviser Aviation Finance Commodity Finance Auto & Auto Parts HighMark® Capital Management, Inc.: Energy Finance Chemical registered investment adviser3 Entertainment Finance Commercial Finance Commercial Real Estate Commercial Banking Financial Institutions General Industries Electronics General Industries coverage Food & Beverage teams throughout California, Healthcare Media Telecom General Trading Oregon, and Washington Healthcare Commercial Lending Oil & Gas Power & Utilities Oil & Gas Working Capital Solutions Retail Leasing Public Finance Technology Trading Houses

Mitsubishi UFJ Securities (USA)4 Mitsubishi UFJ Trust & Banking Mitsubishi UFJ Trust and Banking Debt and Equity Capital Markets Corporation (USA) Corporation Equity Sales and Trading Custody Services New York Branch Fixed Income Sales and Trading Securities Lending Corporate Finance Structured Products

The Bank of Tokyo-Mitsubishi UFJ, Ltd. MUFG Union Bank, N.A. Members of MUFG, a global financial group Historical Highlights

Policy Making Officers* 2014 Kanetsugu Mike MUFG integrated the U.S. business of 2014 ® Group Head, Global Business Group, MUFG The Bank of Tokyo-Mitsubishi UFJ, Ltd. Union Bank marks its 150th Deputy President & Co–Chief Executive, (BTMU) Headquarters for the Americas anniversary (1864). Global Business Unit, BTMU with Union Bank, N.A., renaming it as 2013 MUFG and BTMU Regional Executive for MUFG Union Bank, N.A., and renamed Union Bank acquired First Bank the Americas UnionBanCal Corporation as MUFG Association Bank Services­—expanding MUAH and MUB Executive Chairman Stephen Cummings, President and CEO Americas Holdings Corporation as the its capabilities to provide banking Takayuki Akita, Head of Asian Corporate Banking overall holding company of BTMU’s services nationwide to homeowners Ranjana Clark, Bay Area President and Head of Americas operations. Both have association management companies. Transaction Banking corporate headquarters in New York City, This follows the earlier acquisitions of Michael Coyne, General Counsel while MUFG Union Bank has its main Klik Technologies Corporation in 2011 Kevin Cronin, Head of U.S. Wholesale Banking office in . and Smartstreet in 2012, both market Donna Dellosso, Chief Risk Officer leaders in their respective industries. Hironori Kamezawa, Deputy Regional 2013 Executive for the Americas MUFG acquired 75% ownership of Bank 2013 Kazuo Koshi, Chief of Staff of Ayudhya Public Company Limited, Union Bank acquired PB Capital Christopher Perretta, Chief Information & the fourth-largest commercial bank Corporation’s institutional commercial Operations Officer in Thailand with over 18,500 employees. real estate lending portfolio to expand Annemieke van der Werff, Chief Human national properties and capabilities. Resources Officer 2011 Tim Wennes, West Coast President and MUFG’s holding of Morgan Stanley 2012 Head of The Regional Bank convertible preferred stock converted Union Bank acquired Pacific Capital Johannes Worsoe, Head of Investment Banking into Morgan Stanley common stock. Bancorp and its bank operating & Markets 2008 subsidiary Santa Barbara Bank & Trust, John Woods, Chief Financial Officer MUFG reaches agreement on strategic adding 38 branches along the Central *All executives from MUFG Union Bank, N.A., capital alliance with Morgan Stanley Coast of California. unless otherwise noted. through a $9 billion dollar investment. 2010 Industry Awards UnionBanCal Corporation, parent Union Bank acquired San Rafael, #1 Mandated Lead Arranger, PFI/Thomson Reuters League Table, Americas and global company of Union California–based Tamalpais Bank and (2014, 2013, 2012, 2011, 2010) (Union Bank), becomes a wholly owned Everett, Washington–based Frontier Bank #1 Mandated Lead Arranger, Dealogic League Table, subsidiary of The Bank of Tokyo-Mitsubishi through agreements with the Federal North America (2014, 2013, 2012, 2011, 2010) UFJ, Ltd. Deposit Insurance Corporation, American Banker/Reputation Institute 2006 adding 57 additional banking offices. Most Reputable Bank (#7 Union Bank, 2015) 2008 Global Banking & Finance Review, Best Corporate Creation of the Bank of Tokyo-Mitsubishi Trust Bank in America (2014, 2013, 2012) UFJ (BTMU) through the merger of The BTMU acquired all of the outstanding Greenwich Associates, Excellence in Bank of Tokyo-Mitsubishi and UFJ Bank. shares of UnionBanCal Corporation Middle Market Banking, National Winner— 2005 in a cash tender offer, resulting in Financial Stability (2013, 2011, 2010) Creation of Mitsubishi UFJ Financial Group Union Bank of California becoming DiversityInc—Top Ten Regional Companies for (MUFG) through the merger of Mitsubishi a wholly owned subsidiary of BTMU. Diversity (#6 MUFG, 2015) Union Bank of California shortens its Best Global Corporate Bank for 2015— Tokyo Financial Group and UFJ Holdings, Global Finance magazine Mitsubishi UFJ Trust and Banking through name to Union Bank, signaling its plan the merger of Mitsubishi Trust and Banking to expand nationally. Employees: Approximately 14,000 in the Americas and UFJ Trust Bank, and Mitsubishi UFJ 1996 www.mufgamericas.com Securities through the merger of Mitsubishi The modern Union Bank is formed www.unionbank.com Securities and UFJ Tsubasa Securities. when The Bank of California and Union Bank combined to create Retail branch offices 1996 www.unionbank.com/branchlocator Merger of The , Limited, Union Bank of California as part of the merger of The Mitsubishi Bank, MUFG Americas Holdings Corporation and The Bank of Tokyo, Ltd., creates the MUFG Union Bank, N.A. world’s largest bank. Union Bank and Ltd., and The Bank of Tokyo, Ltd., creating the world’s largest bank. Principal Executive Office The Bank of California merge into the 1251 Avenue of the Americas state’s third-largest commercial bank, 1864 New York, NY 10020 Union Bank of California. The Bank of California founded Main Banking Office 1880 in San Francisco, California. 400 California Street MUFG’s predecessor company San Francisco, CA 94104 founded in Japan. MUFG Investor Relations (NYSE: MTU) +81 3 3240 8111 1 Capital reserves, credit ratings, and capital ratios for MUFG Americas Holding Corporation (MUAH) can be found at www.unionbank.com. MUFG Union Bank, N.A. is the principal subsidiary of MUAH. 2 Exchange rate of 1 USD = ¥112.68 (JPY) as of March 31, 2016. 3 Investment management services offered by MUFG Union Bank, N.A. in conjunction with its subsidiary, HighMark Capital Management, an SEC-registered investment adviser. Brokerage and investment advisory services offered by UnionBanc Investment Services LLC, a registered broker-dealer, investment adviser, member FINRA/SIPC, and subsidiary of MUFG Union Bank, N.A. Insurance services offered by UnionBanc Insurance Services, a division of MUFG Union Bank, N.A., California State Insurance License No. 0817733. Insurance and annuities are products of the insurance carriers. Non-deposit investment and insurance products: • Are NOT deposits of or guaranteed by the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including the possible loss of principal invested. 4 Corporate securities underwriting and other investment banking services provided by Mitsubishi UFJ Securities (USA), Inc., a U.S. registered broker-dealer, member FINRA/SIPC, and affiliate of MUFG Union Bank, N.A. Non-deposit investment products are:• NOT insured by the FDIC or any other governmental agency • NOT Bank deposits • NOT guaranteed by the Bank or any Bank affiliate • Subject to investment risk, including the possible loss of principal. MUFG Union Bank, N.A., is a member FDIC, and its banking products are insured up to applicable FDIC insurance limits. The Bank of Tokyo-Mitsubishi UFJ, Ltd., is not a member of the FDIC and its products ARE NOT insured by the FDIC or other government agency.

©2016 Mitsubishi UFJ Financial Group, Inc. All rights reserved. The MUFG logo and name is a service mark of Mitsubishi UFJ Financial Group, Inc., and is used by MUFG Union Bank, N.A., with permission; Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A. 8912584 (06/16)