MUFG AMERICAS HOLDINGS CORPORATION Corporate Profile MUFG UNION BANK, N.A. MUFG Union Bank, N.A., is a full-service bank with offices has strong capital reserves, credit ratings, and capital across the United States. We provide a wide spectrum ratios relative to peer banks. MUFG Union Bank is a proud of corporate, commercial, retail banking, and wealth member of the Mitsubishi UFJ Financial Group (NYSE: management solutions to meet the needs of customers. MTU), one of the world’s largest financial organizations The bank also offers an extensive portfolio of value-added with total assets of approximately ¥284.9 trillion (JPY) or solutions for customers, including investment banking, $2.3 trillion (USD),¹ as of June 30, 2015. MUFG Americas personal and corporate trust, capital markets, Holdings Corporation, the financial holding company, global custody, transaction banking, and other services. and MUFG Union Bank, N.A., have corporate headquarters With assets of $113.5 billion as of June 30, 2015, the bank in New York City. Enterprise Summary Retail Banking and Wealth Markets Commercial Banking (cont.) Asian Corporate Banking Retail Banking Project Finance Offices: Branch Banking: branches in Real Estate Industries Atlanta, GA California, Oregon, and Washington Technology Chicago, IL — Banking by Design™ checking Houston, TX — Online Banking & Bill Pay U.S. Corporate Banking Florence, KY — Mobile Text Banking & Commodity Finance Los Angeles, CA Check Deposit Energy Finance New York, NY Consumer Lending: Fixed and adjustable Financial Institutions San Francisco, CA jumbo and conforming mortgages General Industries Seattle, WA Business Bank: Deposit and lending Healthcare products; SBA and small business Media, Telecommunications loans / lines of credit & Sports Wealth Markets Oil & Gas The Private Bank Power & Utilities — Integrated wealth management Public Finance & planning Technology — Investment Management2 — Risk management2 Transaction Banking — Personal trust & estate services Deposits & Treasury — Banking services Management UnionBanc Investment Services LLC:2 — Payables and Receivables registered broker-dealer and — Information Management investment adviser — Liquidity Management HighMark® Capital Management, Inc.: Transactional Trade Finance registered investment adviser2 Trust & Custody Services Commercial Banking General Industries coverage teams in key Investment Banking Western cities with regional hubs in & Markets New York City, Chicago, and Atlanta. Commodity & Structured Specialty coverage teams in all Trade Finance geographic markets. Corporate Advisory Aerospace & Defense Global Financial Solutions Agriculture Leasing & Merchant Banking Environmental Services Project Finance & Export Funds Finance Credit Agency General Industries Sales & Trading Healthcare Securitization Media & Telecommunications Stable Value Products Entertainment & Film Finance Structured Finance Oil & Gas Syndications Mitsubishi UFJ Securities (USA)3 Mitsubishi UFJ Trust & Banking Mitsubishi UFJ Trust & Banking Debt and Equity Capital Markets Corporation (USA)3 Corporation3 Equity Sales and Trading Custody Services New York Branch Fixed Income Sales and Trading Securities Lending Corporate Finance Structured Products Securities Trading The Bank of Tokyo-Mitsubishi UFJ, Ltd. MUFG Union Bank, N.A. Members of MUFG, a global financial group Historical Highlights Policy Making Officers Masashi Oka, Executive Chairman Kanetsugu Mike, MUFG Regional 2014 2014 Executive for the Americas MUFG integrated the U.S. business of Union Bank® marks its 150th Stephen Cummings, President and CEO The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU) anniversary (1864). Takayuki Akita, Head of Asian Corporate Banking Headquarters for the Americas with Union 2013 Ranjana Clark, Head of Transaction Bank, N.A., renaming it as MUFG Union Bank, Union Bank acquired First Bank Banking N.A., and renamed UnionBanCal Corporation as Association Bank Services —expanding its Michael Coyne, General Counsel MUFG Americas Holdings Corporation as the Kevin Cronin, Head of U.S. Corporate Banking capabilities to provide banking services Michael Gotimer, Co–Chief Information overall holding company of BTMU’s Americas nationwide to homeowners association operations. Both have corporate headquarters & Operations Officer management companies. This follows John Itokazu, Co–Chief Information in New York City, while MUFG Union Bank has the earlier acquisitions of Klik & Operations Officer its main office in San Francisco. Technologies Corporation in 2011 Hironori Kamezawa, Deputy Regional 2013 Executive for the Americas and and Smartstreet in 2012, both market Interim Chief Risk Officer MUFG acquired 75% ownership of Bank leaders in their respective industries. Kazuo Koshi, Chief of Staff of Ayudhya Public Company Limited, 2013 J. Michael Stedman, Head of the fourth-largest commercial bank Union Bank acquired PB Capital Commercial Banking in Thailand with over 18,500 employees. Annemieke van der Werff, Chief Human Corporation’s institutional commercial Resources Officer 2011 real estate lending portfolio to expand Tim Wennes, West Coast President, MUFG’s holding of Morgan Stanley national properties and capabilities. Head of Retail Banking & Wealth Markets and Corporate Social Responsibility convertible preferred stock converted 2012 into Morgan Stanley common stock. Johannes Worsoe, Head of Investment Union Bank acquired Pacific Capital Banking & Markets 2008 Bancorp and its bank operating John Woods, Chief Financial Officer MUFG reaches agreement on strategic subsidiary Santa Barbara Bank & All Policy Making Officers are members of the capital alliance with Morgan Stanley Trust, adding 38 branches along Executive Committee for the Americas. through a $9 billion dollar investment. the Central Coast of California. Industry Awards UnionBanCal Corporation, parent company 2010 of Union Bank of California (Union Bank), #1 Mandated Lead Arranger, PFI/Thomson Union Bank acquired San Rafael, Reuters League Table, Americas and global becomes a wholly owned subsidiary of California—based Tamalpais Bank and (2013, 2012, 2011, 2010) The Bank of Tokyo-Mitsubishi UFJ, Ltd. Everett, Washington—based Frontier #1 Mandated Lead Arranger, Dealogic 2006 League Table, North America Bank through agreements with the (2013, 2012, 2011, 2010) Creation of the Bank of Tokyo-Mitsubishi Federal Deposit Insurance Corporation, American Banker/Reputation Institute UFJ (BTMU) through the merger of The adding 57 additional banking offices. Most Reputable Bank (#7 Union Bank, 2015) Bank of Tokyo-Mitsubishi and UFJ Bank. 2008 Global Banking & Finance Review, Best Corporate Trust Bank in America 2005 BTMU acquired all of the outstanding (2014, 2013, 2012) Creation of Mitsubishi UFJ Financial Group shares of UnionBanCal Corporation Greenwich Associates, Excellence in (MUFG) through the merger of Mitsubishi in a cash tender offer, resulting in Middle Market Banking, National Winner— Tokyo Financial Group and UFJ Holdings, Union Bank of California becoming Financial Stability (2013, 2011, 2010) Mitsubishi UFJ Trust and Banking through a wholly owned subsidiary of BTMU. DiversityInc—Top Ten Regional Companies the merger of Mitsubishi Trust and Banking Union Bank of California shortens its for Diversity (#6 MUFG, 2015) and UFJ Trust Bank, and Mitsubishi UFJ name to Union Bank, signaling its plan Employees: Approximately 14,000 Securities through the merger of Mitsubishi to expand nationally. in the Americas Securities and UFJ Tsubasa Securities. 1996 Contact 1996 www.mufgamericas.com The modern Union Bank is formed www.unionbank.com Merger of The Mitsubishi Bank, Limited, when The Bank of California and www.mufg.jp/english and The Bank of Tokyo, Ltd., creates the Union Bank combined to create world’s largest bank. Union Bank and Union Bank of California as part of Retail branch offices The Bank of California merge into the the merger of The Mitsubishi Bank, www.unionbank.com/branchlocator state’s third-largest commercial bank, Ltd., and The Bank of Tokyo, Ltd., MUFG Americas Holdings Corporation Union Bank of California. creating the world’s largest bank. MUFG Union Bank, N.A. 1880 1864 Principal Executive Office 1251 Avenue of the Americas MUFG’s predecessor company The Bank of California founded New York, NY 10020 founded in Japan. in San Francisco, California. Main Banking Office 400 California Street 1 Exchange rate of 1 USD = ¥122.45 as of June 30, 2015. San Francisco, CA 94104 2 Clients requiring investment management, brokerage or insurance services will MUFG Investor Relations work directly with one or both of the following MUFG Union Bank, N.A., subsidiaries: (NYSE: MTU) HighMark Capital Management, Inc., an SEC-registered investment adviser; or +81 3 3240 8111 UnionBanc Investment Services LLC, a registered broker-dealer, investment adviser, member FINRA/SIPC; or its insurance division, UnionBanc Insurance Services, California State Insurance License No. 0817733. 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 • Insurance and annuities are products of the insurance carriers. 3 Corporate securities underwriting 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. ©2015 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., Member FDIC. 8912584 (08/15).