Answers to Questions You May Have About Your Personal Account(S)

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Answers to Questions You May Have About Your Personal Account(s)

GENERAL INFORMATION Q Can I select a new PIN for my Union Bank ATM or debit card? Q When will my account become a A Yes, if you would like to change your PIN, visit any Union Bank® account? Union Bank banking office beginning January 22, 2011, A Your Tamalpais Bank account will become a Union Bank or call 800-238-4486. account on January 24, 2011, giving you full access to Q Where can I use my new ATM or debit card? more than 390 banking offices and over 600 ATMs in A Beginning on January 22, 2011, your new Union Bank California, Oregon, and Washington.1 debit card will allow you to make purchases at millions Q Will my banking office remain open? of retail locations that accept the MasterCard Debit A Yes, former Tamalpais Bank banking offices will remain Card. With your new Union Bank ATM card or debit open at their current locations. Visit unionbank.com for card, you can also access over 600 Union Bank ATMs and a complete list of banking office locations and hours, ATMs worldwide that display the MasterCard or STAR® including extended and Saturday hours at some locations. symbol.2

Q Will my account numbers change? Q Can I use the MoneyPass® ATM Network? A Account numbers for checking, savings, and money A Yes. However, as a Union Bank customer, you will be market accounts will remain the same (unless you charged a fee when using the MoneyPass ATM Network. were notified otherwise). If you have a Time Deposit Q Will my new Union Bank debit card have the same (Certificate of Deposit), IRA, or loan, you will receive a capabilities as my old Tamalpais Bank card? new account number, effective January 24, 2011. Please A Yes. Your new Union Bank debit card will offer the same see the cover letter included with your Union Bank features and purchasing power. Your daily cash withdrawal conversion package for details. and purchase limits will remain the same as the current Q Will I continue to receive account statements? limits on your Tamalpais Bank card. A Yes. If you currently receive your statements online, Q What will happen to automatic bill payments I your statements will be available online, including check have linked to my Tamalpais ATM or check card? images, at no cost. If your statements are mailed to you, A As soon as you receive your new Union Bank card, please we will continue to mail your monthly statement. You will inform any third party or business initiating a charge receive a statement for your checking and money market to your Tamalpais Bank card of your new card number, account(s) every month, unless there is no account effective January 22, 2011. Some providers require time to activity. You may not receive statements for your savings make this change, so informing them immediately of your account(s) during months when there is no electronic new card number will help ensure your services continue activity; you will, however, receive quarterly statements uninterrupted. for all accounts regardless of account activity. Q Can I continue to use my Tamalpais Bank checks? If you prefer to receive your statements online, visit A Yes, you can continue to use your existing Tamalpais Bank unionbank.com to choose this option. checks. When ordering new checks through Union Bank, Q Will I also get a statement for my Time Deposit/ we will automatically update your checks with the Certificate of Deposit (CD) account? Union Bank account number and routing number. When A No. For CDs, statements will no longer be generated. ordering new checks through another vendor, provide You will only receive a receipt upon account opening, and your new Union Bank routing number, 122000496, and then a maturity notice and renewal notice (if you choose to your account number. automatically renew). However, you can always view your CD balance via Union Bank Online Banking. Online Banking Q Will my Tamalpais Bank accounts be merged with Q When is the last day I can make transactions on any Union Bank accounts that I currently have? the Tamalpais Bank website? A No, your Union Bank account and the account that was A The last day to make transactions at tambank.com is converted from Tamalpais Bank will remain separate, and January 21, 2011. Beginning January 24, 2011, all online you will receive separate statements for each account. banking activities will be conducted at unionbank.com.

Checks and ATM/debit Cards Q During the conversion, will there be a period of time when online banking will not be available? Q Will I receive a new ATM or debit card? A Yes. On January 22-23, 2011, online banking will not What about my PIN? be available to you on either tambank.com or on A If you currently have a Tamalpais Bank ATM card or a unionbank.com. Tamalpais Bank VISA® Check Card, you will receive your Q Can I continue banking online with Union Bank? new Union Bank ATM card or Union Bank MasterCard® A Debit Card in mid-January. Your PIN number will remain Yes, beginning January 24, 2011, you can access your the same. After activating your new card, you can begin new Union Bank account(s) and pay bills online with using it on Saturday, January 22, 2011. Please destroy Union Bank Online Banking and Online Bill Pay service. tambank.com your Tamalpais Bank card and use only your new If you currently use online banking at , your unionbank.com Union Bank card at that time. Sign-On ID at is likely to stay the same

Continued on reverse after conversion. On January 23, 2011, you will receive Q Do I need to take any action regarding my a temporary password via email. You will need this to log incoming recurring wires? on for the first time to create a new permanent password A Yes. If you have incoming recurring wires established on and to accept the Online Banking Agreement. Once you log your account, you will need to notify the organization on, please review your account information to ensure that or the individual of the Union Bank routing number: the transferred account information is accurate. 122000496. Please note, recurring incoming wires will Q What will happen to the payments and payees continue to post to your account through April 30, 2011. that I entered into Tamalpais Bank’s online bill After that time, any incoming wires without your Union pay service? Bank account number and/or routing number may not A For your convenience, all payees and scheduled/recurring be accepted. payments you have set up through online bill pay at tambank.com will be automatically transferred to your new Additional Accounts and Services Union Bank Online Bill Pay service. Any payments you have Q What will happen to my overdraft protection? scheduled after January 28, 2011, will be paid through this A new service. Payments scheduled through Tamalpais Bank If you had a Tamalpais Bank Consumer Overdraft Line of Credit, you will have the option to convert to a Union Bank online bill pay for payment through January 28, 2011, 3 will be paid through Tamalpais Bank online bill pay. On Cash Reserve Account. (If you have this option, you January 24, 2011, please log on to make sure that the should already have been notified in a previous mailing. transferred information is accurate. The automatic transfer If you haven’t, please contact your local banking office.) of scheduled/recurring payments will proceed whether or If you have Tamalpais Bank savings overdraft protection, in not you log on to your account. However, the payment most cases it will automatically convert to a Union Bank history for transactions made prior to January 24, 2011, Savings Overdraft Protection Plan. will not transfer to Union Bank. This information will only Q Which accounts can I use for a Union Bank be available through tambank.com until January 21, 2011. Savings Overdraft Protection Plan? We advise you to print or download your transaction A You may use a Regular Savings or Teen Savings and bill pay history prior to this date for your records. account (if there is an adult owner on the account) to Beginning January 24, 2011, account statements dating back provide coverage to a checking account. At this time, 18 months will only be accessible online at unionbank.com MoneyMarket Accounts and Kidz Savings accounts are in Adobe® PDF format. not eligible. Additionally, you may have only one savings account linked to one checking account for this service. Q What will happen to scheduled or recurring transfers I have set up between my Tamalpais Q What will happen to my savings overdraft Bank accounts? protection if it is linked to an account converting A All scheduled/recurring transfers you have set up between to a MoneyMarket, Kidz Savings, or to multiple your Tamalpais Bank accounts will be transferred to your checking accounts? Union Bank Online Banking service. Please log on to make A If your overdraft protection is linked to an ineligible sure that the transferred information is accurate. account, it will discontinue after conversion. If you have more than one checking account linked to a savings account for coverage, you should have received a letter Electronic transactions asking you to select the account that you wish to retain Q What will happen with direct deposits, payments, the service for. If we did not hear from you we will or transfers linked to my Tamalpais Bank retain the service only for the checking account with the account? most activity. A Electronic transactions (such as internal automatic Q What if I have a Tamalpais Bank loan, line of transfers between your accounts, and recurring automatic credit, IRA, or business account? payments, such as rent, direct deposit of payroll, and A If you have any of these products, you will receive a Social Security checks) will be automatically forwarded separate mailing from Union Bank. to your Union Bank account. While Union Bank will notify all companies you have authorized to debit or Q What will happen to my safe deposit box? credit electronic transactions, some may also require A Your safe deposit box will remain in the same location. you to sign a new agreement or authorization containing The annual rental fee for the first renewal will be the Union Bank routing number: 122000496. If any of discounted 50%. Box size and availability may vary by your regularly scheduled transactions do not post to your banking office. The full Union Bank rental fee will be account, be sure to contact those businesses directly. invoiced after the first discounted renewal year.

If you have any questions about your account, please visit your Union Bank banking office or call 800-238-4486, seven days a week, 6:00 a.m. to 11:00 p.m., Pacific Time, or visit unionbank.com/hellotambank.

1 Limited Union Bank services available at former Frontier Bank branches and ATMs in Oregon and Washington at this time. 2 Free use at Union Bank ATMs. Fees may apply to use your Union Bank ATM card or Debit Card at non-Union Bank ATMs or to obtain an ATM mini- statement. Point-of-sale merchants may also add a surcharge. Please note, as a Union Bank customer, you will no longer be able to use the MoneyPass ATM Network without a fee. 3 Terms and conditions subject to change without notice. See our Cash Reserve Account Agreement and Disclosure Statement for full details. For complete account details, please refer to the enclosed 2011 All About Personal Accounts & Services Disclosure and Agreement and Fee Schedule. For additional account changes, refer to the enclosed Welcome Brochure.