Desert Hot Springs City Council
March 21, 2023

10 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Union Bank’s retail footprint. To date, the Bank has provided two UB DAP grants for a total of $12,000 in assistance to support first‐time homebuyers in the City of Desert Hot Springs.

Charitable Contributions
The MUFG Union Bank Foundation has four strategic priorities: Affordable Housing; Economic Development, Social Services, and Stewardship and Sustainability. From 2019 to 2022, the Bank has provided $20,000 in charitable donations to nonprofit organizations throughout the City of Desert Hot Springs. Total contributions in Riverside County during the same period totaled $1.4 million.

Volunteerism & Community Involvement
From 2019 through 2022, MUFG Union Bank employees provided 131 volunteer hours to the City of Desert Hot Springs non‐profits, offering technical assistance, fundraising, and financial literacy. Employee volunteers reported nearly 3,000 service hours in Riverside County.

Small Business Lending
In 2021, MUFG Union Bank funded four (4) small business loans in the City of Desert Hot Springs totaling $523,000.

Residential Lending
MUFG Union Bank funded 13 residential loans in 2021 including 11 or 85% to low‐and moderate‐income tracts within the City of Desert Hot Springs, and 7 or 54% to low‐and moderate‐income borrowers for a total of $2.8 million dollars for affordable housing.

U.S. Bank corporate social responsibility
U.S. Bank National Association is proud to have received the highest rating, “Outstanding,” for our recent Community Reinvestment Act (CRA) examination from the Office of the Comptroller of the Currency (OCC).

The evaluation period was January 1, 2016, through December 31, 2020. The company also received an “Outstanding” rating on each of the three individual CRA tests for Lending, Investment and Service. The most recent copy of our CRA evaluation can be found at usbank.com/about‐us‐bank/community/community‐ reinvestment‐act/cra‐performance‐evaluation.html.

More than a bank, we’re part of California
We live and work We support business We invest in community

2.5 million+ total customers 240,000+ business customers $1.5 billion in community
development loans and investments
to low‐and‐moderate‐income
communities
461 branches $204.5 million SBA loan total $38 million U.S. Bank Foundation and corporate giving
630 ATMs $49 million to  partner certified diverse
suppliers 70,000 volunteer hours
6,194 employees
U.S. Bancorp announces $100 billion community benefits plan As part of our acquisition of MUFG Union Bank, this five‐year plan focuses on supporting equitable access to capital for low‐ and moderate‐ income communities and communities of color. Sixty percent of the funds will go to California.

Item Number: 10.

11 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information U.S. Bank celebrated the Lunar New Year
As part of the 2023 U.S. Bank Lunar New Year celebration, we provided California Donuts’ Year of the Rabbit donuts free to customers at select Los Angeles branches.

Item Number: 10.

12 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Exhibit A
The Scope of Work for Governmental Banking Services
OBJECTIVES:

The City of Desert Hot Springs is requesting a proposal for a primary banking relationship with a financial institution. The following is a listing of mandatory services the City requires of its financial institution:
•  Checking Accounts                              •   ACH reporting •  ACH Debit Services                              •   On‐line balance reporting •  Credit/Debit Card Services              •   On‐line Image Retrieval •  Courier Services                              •   On‐line Stop‐pays •  On‐line wire transfers                              •   Banking Supplies •  Positive Pay on Checking              •   Excellent customer service •  Overdraft protection                              •   Data Equipment Compatibility The following is a list of optional services the City may require:
•   Automatic Account Reconciliation
•   Trust & Escrow Agent Services Accounts
•   Payment of Financial System Upgrades and Fees through use of analysis and supplies •   Online Banking payments collected in a batch deposit •   E‐Payments
•   Web Based Payment System
Item Number: 10.

13 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Banking Services Required

1. General Banking: The Firm must have centralized cash vault operation that can accommodate the security, deposit volume, and change order demands associated with City accounts. The Firm must process returned/re‐cleared items, stop payments, change/currency orders, and photocopying services for items or documents related to the City's bank accounts.

Union Bank is a proud provider of each of the services listed above. We are pleased that the city has entrusted us to partner with you since 2009. Union Bank is currently servicing the City’s depository accounts, and we look forward to our continued partnership and your continued business.

In addition, Union Bank offers a variety of national depository services tailored to your needs, including cash vault services, remote deposit capture, smart safe, and lockbox services.

Courier Services
Commercial cash and check depositing are available throughout the United States through our national network of cash vaults.

You have access to a network of over 100 vault processing centers across the U.S. These locations are operated by Loomis, Brinks or Garda through strategic agreements with Union Bank.

All of our vaults offer a full suite of traditional cash services including deposit processing and fulfilment of change orders. Most also offer image‐based check capture services.

We process your cash deposits using modern high‐speed systems. A variety of previously manual tasks is now performed by our equipment, which means accurate processing and fewer hands touching your deposits.

Cash‐only deposits receive same‐day credit when delivered by 8 p.m. local time at most metropolitan locations. Check‐only mixed cash and check packaged deposits generally receive same‐day ledger credit when received by 6 p.m. local time.

Cash Vault Service – We offer you the services of one of the nation’s largest cash vault networks. Our network processes over 11,000 deposits and ships over 42,000 cash orders each business day across 100 locations in major metropolitan areas.

Our cash ordering service is designed to provide both high‐quality processing and unique customer information benefits. A variety of management reports are available, including daily reports of all cash orders shipped and monthly reports that detail and summarize state‐wide activity.

Our automated cash ordering service offers five options for placing cash orders:
 Touchtone telephone
 Online
 Ordering by representative
Item Number: 10.

14 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information  Pre‐established standing orders
 Data file transmission of batch orders
Cash orders initiated using online banking or a touchtone telephone may be placed 24/7. Orders can be placed with our representatives Monday through Friday between 8 a.m. and 5 p.m. PT. Standing orders are pre‐ established by day of the week (e.g., $2,000 in twenties every Thursday).

Return Items / Reclears
Our online Deposited Items Returned service notifies you of the return and the reason for the return and provides an image of the item the same day we receive the return. We charge back or re‐clear items returned per your guidelines. This information is posted online for quick and easy access:
 Notification as early as 6:30 a.m., PT of current day returned items. Access information and make more informed cash management decisions earlier in the business day.  Rapid access to returned items. See the front and back of returned items in PDF format and zoom or rotate images to better identify dates, signatures, and other important information. All items are available online for 62 calendar days.
 Early warnings. With this special feature, receive advance notification of large deposited items in amounts of $2,500 or more that may be returned. Warnings are updated five times daily to give you the opportunity to react quickly.

Returns may be automatically re‐deposited one time in conjunction with federal regulations. NSF and UCF items may be re‐cleared two times.

For items returned, we can provide CPM with an Image Replacement Document (IRD) via US Mail. Return notices and IRDs are mailed after verification the item was charged back to the account, which is the next business day after the return item was received by the bank.

On‐line Stop Payment
When using Positive Pay, if the customer places a stop payment on a check and the check is presented for payment, the Bank will return the item without it showing as a Positive Pay exception.

The customer does have the option to choose to place a “cancel” on an outstanding check in lieu of a stop payment when using Positive Pay. The cancel can be placed online and if the item comes in for payment it will be presented as exception for the customer to make a pay or return decision.

The initial term options available for stop payments are:

Online:  For ARP clients, six months with automatic renewal (additional fees apply) in six‐ month intervals until the customer notifies us to remove the stop.

Telephone:  For ARP clients, six months with automatic renewal (additional fees apply) in six‐ month intervals until the customer notifies us to remove the stop.

The effective date will be the same day the stop was placed even if it is on a Saturday. The Bank can accommodate stop requests submitted via the Stop Payment application on Saturdays.

Item Number: 10.

15 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Stop Payment requests submitted via the Stop Payment application provides the customer with an immediate response that indicates whether a stop or cancellation request went through successfully.

The City receives a stop payment report which is part of your standard account recon reports at cycle end. The Stop Payment report lists all current Stop Payment orders with a status such as New, Renew, or Expire. “EXPIRE” indicates Stop order to expire in next period.

2. Deposit Verifications: The Firm must provide for deposit verification and return of validated deposit receipts to the City.

The City receives validated deposit receipts. The bank also provides a full range of prior day reports to meet your reconciliation needs. Including Previous day information on deposits by date, amount, division, location, and type.

On‐line Image Retrieval
MUFG image processing capabilities
Service Features
Check processing
 We are an active participant in image exchange and use the SVPCO Image Payments Network. We use the Check 21 file format (ANSI X9.37) to settle checks through the network.
 We also offer a desktop solution through our online Remote Deposit service.  Our Image Cash Letter service enables you to create your own file according to a modified ANSI X9.37 standard and transmit it directly for settlement.  Our deposited returned item reporting is also fully image‐enabled and provides easily accessible information about returned deposited items—for both current and historical checks—so you can improve your collections decisions.

Account management
 You can view bank statements and account analysis statements online.  A multi‐year statement archive also lets you view past statements.  Our Image on Demand service allows you to view images of deposit tickets and the front and back of paid checks and deposited checks for the past seven years.

3. Electronic Money Transfers: The Firm must provide incoming and outgoing electronic money transfer services, including ACH and Wire safeguards and security measures.

ACH Debit Services
The ACH electronic funds transfer system allows you to originate and process debit and credit payments between financial institutions by performing any of the following activities:
 Direct deposit
 Pre‐authorized bill payment
 Consumer debits
 Cash concentration
Item Number: 10.

16 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information  International ACH (IATs)
 Corporate payments
MUFG Union Bank has provided ACH origination services since 1978. We introduced our online ACH service in 2002. We provide ACH services to more than 22,274 originating companies.

The Bank actively participates in shaping the future of ACH through various industry groups. We are very active in NACHA as a direct member and in the Western Regional Payment ACH Association, Western Payments (WesPay). Our staff members serve on the steering committee of the NACHA’s Payment Alliance, WesPay Rules Committee, the WesPay Education Committee, the WesPay Compliance Advisory Committee, and the WesPay Board. We also have representatives on the boards of both ACH clearing houses: the Federal Reserve Bank and Electronic Payments Network (EPN).

Union Bank is an active participant in the Federal Reserve’s Faster Payments and The Clearing House Real‐ Time Payments initiatives.

Our leadership and participation within these organizations helps us anticipate and respond to our customers’ evolving needs.

ACH Filter – Our Electronic Payment Authorization, EPA (ACH Positive Pay) service is similar to Positive Pay service for checks. You provide a one‐time notification of all recurring authorizations. The recurring authorizations are then posted when the entries fit within the criteria. Reports of unauthorized ACH activity are available and enable you to permit certain transactions even if they were not in the payment parameters you originally designated.

You can selectively accept ACH debits only from originators you authorize. Exchange supports maintenance and Decisioning of EPAs. We also offer Universal Payment Identification Codes (UPIC). A UPIC is a unique number assigned to a bank account coupled with a universal routing and transit number. It increases the security of electronic payments by allowing customers to initiate electronic ACH credit payments without having to publish sensitive bank account details. Essentially, the UPIC becomes the organization's ACH remittance address.

ACH Reporting
Our Prior and Current Day ACH Transaction reports display complete transaction data, including payment ID, originator ID, tracer reference, and complete addenda information. Return item transactions display dollar amount, individual's name, entry description, and return reason when captured in processing.

Entry settlement detail information is available upon request.

Complete transaction detail is available for ACH and Wire transactions.

On‐line wire transfers – MUFG provides multiple secure options for initiating wires.

Item Number: 10.

17 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information MUFG image processing capabilities
Processing method Initiation, approval, and release details Online
Wire instructions are entered online using free‐form or previously created templates.  Dual authentication is required for releasing wires, but you can request additional approvers.
 Wire creators and approvers each need a user ID and password.  The approver also needs a physical token (provided at the time of signup) to authenticate his or her identity and approve the wire. The wire is then released.

Note: All users have specific functionality, account access, and dollar limits assigned to them as an extra layer of security.

Transmission
You create an EDI 820 formatted file. All approval processes are based on your procedures.  The EDI 820 file is released by secured transmission (various methods available) to a designated mailbox at MUFG at a specified time.
 Depending on your setup, we send confirmations of file receipts and for each wire based on Fed reference or SWIFT reference numbers.

International foreign exchange payments can be made via transmission.

Telephone
The authorized user calls into our wire operations area:
 The user provides a PIN and ID to establish identity
 The user gives the wire instruction
 The wire operations representative prepares the transfer  The wire operations representative initiates a call back procedure to a pre‐set number to establish authentication:
 Call the designated approver at a designated number
 Request a PIN
 Request a security token passcode
 Obtain approval
 Wire operations representative releases the wire.

Note: All users have specific functionality, account access, and dollar limits assigned to them as an extra layer of security.

Wire instructions can be sent online and through transmission 24/7, but the actual transaction send window is limited by the Federal Reserve hours of operation.

Online book entries can be submitted Monday through Friday anytime until 3:00 p.m. PT (excluding federal holidays).

Transfer type Cutoff times for wire initiation (in Pacific time) Domestic wire Cutoff times for wire initiation (in Pacific time) International wire 3:15 p.m.

Drawdown wire 3 p.m.

Item Number: 10.

18 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Transfer type Cutoff times for wire initiation (in Pacific time) Intra‐Bank (i.e., Book) transfer 4 p.m.

Intra‐Bank (i.e., Book) transfer 9 p.m.

Phone or fax initiation 2:30 p.m.

The MUFG system is designed to provide a high level of security for the administrator and users with flexible features to meet the City’s security requirements.

MUFG security administrator security features
Feature Details
Security features
Security within the system is layered.
 Individual users must have a user ID and password to access the system initially and can only access accounts and use the functions for which they have been authorized
 Each user may also be limited to specific transaction amount ceilings and aggregate amount totals for the day
 Users must be assigned the capability to approve a wire and are required to have a security token
 The administrator can create users, assign accounts, and establish entitlements for your employees
Dual control  A secondary approver is required
 The City can mandate up to five approvers per transaction Daily limits A daily limit can be set for the aggregate number of transfers and/or dollar value of amount that can be transferred
Approver limits
Each approver can be assigned an individual daily aggregate number of transactions and/or dollar amount that can be transferred. The amount must be equal to or less than the aggregate the City’s limits.

We also offer a repetitive wire setup function online; the City can self‐create and maintain repetitive wire transfer numbers online. You can also name each repetitive wire to make selection easier throughout the day.

An operator with the appropriate entitlement creates the wire template online. The template then moves to the approval queue where an operator with the entitlement to approve templates approves it.

4. Overdraft Protection: The Firm must provide overdraft protection. Provide a description of overdraft protection services available and any cost associated with the service.

Overdraft Protection
Overdrafts are charged a per‐occurrence fee and also an interest‐based “funds advanced” charge.

Item Number: 10.

19 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Uncollected funds are “advanced” to the analyzed account for billing calculation purposes. The charge for the funds advanced is based on the total funds advanced averaged for the month and is at reference rate plus a mark‐up. Funds advanced are available in the “balances available for services” calculation, credited at the applicable ECR. Uncollected funds advanced can be offset with earnings credit allowances.

There is no cap on the number of daily overdrafts that will be assessed by account analysis.

In Appendix 1, pricing is provided in the Pro Forma Account Analysis for the City of Desert Hot Springs.

5. Tax Processing and Remittance: The Firm must accommodate the City's payment and reporting of payroll and other taxes.

For US Federal, State and local agencies, we provide a service called Tax Payment with InstaTax that allows registered users to make federal and state tax payments conveniently online or by phone. There is no software required to use Tax Payment with InstaTax other than an Internet connection and browser. Tax Payment with InstaTax is easily accessible through MUFG Exchange.

6. Balance Reporting: The Firm must have an electronic communication/file transmission system that allows the City to access data by 8:00 a.m. Pacific Standard Time, including previous day balance, collected balances, earnings allowance, and transaction information for each designated account.

On‐line balance reporting – MUFG is committed to providing the highest quality experience by investing in the best possible technology and an experienced team that provides personalized service. As part of our ongoing development process, we continuously monitor our services to meet the changing technology needs of our clients and the business environment.

Data security and privacy MUFG is an industry leader in data security, which is a top priority for the Bank.

We assess and improve security options to remain at the forefront of data security and fraud prevention strategies.

Experienced, personalized
support
While self‐service tools are available and critical to your everyday needs, we also provide dedicated service through a specialized client service team.

This gives you access to the expertise you would expect from a larger bank coupled with the personalized service of a smaller bank Monitoring trends with
active leadership
Our dedicated product management and operations team members actively participate in industry conferences, seminars, and workshops, including the Association for Financial Professionals (AFP), NACHA – The Electronic Payments Association, and The Association for Work Process Improvement (TAWPI).

Flexible features that meet the City’s specific needs
Our reporting supports your needs for monitoring balance and account information in versatile formats.

Item Number: 10.

20 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Feature Benefits
User‐friendly data
selection
Timely, accurate account balance and transaction information in versatile formats enables the City to make critical decisions and capitalize on investments and loan balance paydown opportunities
Standard and customized reports are available for:
 One or more accounts
 A single day or range of days
 A certain report criterion (e.g., all credits, all debits)  Individual and/or group BAI type code(s)
Flexible report views based
on the City’s specific needs
Access reports the way you need them
 Quickview reports provide a daily status of all accounts and reports with a simple click
 Customized reports are accessible any time after you create them  Reports are available online or through data transmissions in your preferred format (e.g., BAI, XML, CSV)
Online service security and access
We maintain multiple levels of additional security for single sign‐on online access to Information Reporting and other MUFG services.

Streamlined implementations
Dedicated service representatives work with you for implementation and training based on your specific needs. For online services, additions or revisions to the City’s existing Information Reporting service can be set up within as little as 48 hours.

7. Account Reconcilement: The Firm must provide monthly reconcilement reports, bank statements, account analysis statements, confirmations and other report related features within a maximum of 3 working days after month end. The Firm must be able to provide various reports and statements in a computer media and also provide specialized reports as needed.

Account Reconciliation
Yes, MUFG provides an optional Account Reconciliation service. The City can choose the best program for your needs.

Service Details
Full Account Reconciliation
Reports both check and deposit activity reconciled to your bank statement.

Reconciliation is based on check issue input you provide to us.  The City provides the Bank with a list of checks issued  Flexible reporting periods
 Unique stale date parameter (enables escheatment reporting)  Branch accounting processing
Item Number: 10.

21 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Service Details
 Both standard and optional reconciliation reports are available. Reports are available online in both PDF and CSV formats.
 Check images are available through Image on Demand, transmissions  Stop payments can be automatically renewed
Partial Account Reconciliation
There is no need to send issue records to MUFG because we capture all posting items.
 Flexible reporting periods
 Both standard and optional reconciliation reports are available  Reconciliation reports are available online in both PDF and CSV formats  Check images available through Image on Demand, transmissions  Receive daily transmission of paid items
 Stop payments can be automatically renewed
Managed Solution
Identifies your deposit activity by location and type on a reporting frequency of your choice.
 You can maintain multiple deposit locations using a single demand deposit account (DDA)
 Reports:
 Deposit Recap report: provides a snapshot of total deposits by date  Deposit Detail report: lists each deposit transaction by location for the reconciliation period
 Reports are available online in both PDF and CSV formats  Each individual location is balanced at the end of every period and included in the recap total
 Deposit images are available through our Image on Demand service online or via transmission
Deposit Reconciliation provides a detailed list of deposits by store or agency number. Detailed deposit information is provided on activity reports to assist you in reconciling your account. This service also enables you to track deposit activity at various locations through a single account. During deposit processing, the serial number and dollar value of each deposit are captured and stored in the Account Reconciliation system. At the end of your accounting period, a complete listing of deposit information is provided, including serial number, dollar value, and posting date. An electronic output file can also be provided to automate your reconciliation process.

Reconciliation reports are available online within two business days from the cut‐off date of the client‐ determined accounting period. Deposit Recap report lists the total count and dollar value of deposits by date.

Deposit Detail report lists each deposit transaction by branch for the reconciliation cycle.

Positive Pay
Payee Positive Pay – Our Payee Positive Pay Service matches check number, dollar amount and payee name to a file sent by the City to the Bank.

Item Number: 10.

22 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information We accept various formats for check issue file: delimited, CSV, fixed width format, also we have proprietary fixed width format for transmission.

Our Positive Pay service monitors check disbursement activity and provides early detection of unauthorized payments, enabling you to proactively defend yourself against fraud losses and avoid liability issues. And with our Positive Pay service, you have immediate online access to images of check exception items, so you can review all exception items and make your final “pay” or “return” decisions—minimizing disbursement risk and improving your overall treasury management.

Payee Positive Pay expands the level of protection and detection by matching the payee name on checks.

Union Bank will review all issued payee names with leading technology to match and detect alterations to the payee name—any discrepancies between your issue data and the check will be brought to your attention for a pay/no pay decision.

How the City benefits:
 Reduced risk of loss from check fraud Checks are automatically paid only if they match a check issue on file with us.
 Greater accuracy and timeliness Submission of daily check issuance information assures quick detection of any inaccuracies in payment detail.
 Increased control Options such as check image services, maximum dollar amounts, and dual handling improve control over check disbursements, while day‐to‐day management remains easy and convenient.  Greater protection and control to get even more protection and prevent internal fraud, Positive Pay is now available with Dual Control authorization. This service adds another layer of approvals for exception decisions and/or issue uploads/ manually entered.
 Positive Pay services are available online and from your mobile device You reduce fraud and maintain control of check disbursement activity from anywhere, at any time.

With exception reporting, the City:
 Receives images of exception items presented to your account  Submits instructions to the Bank to return any unauthorized checks  Reviews exception reports for the past 120 calendar days (including images and exception details)  Sets options to be notified when your exception report is available, and dispositions are due

8. Credit/Debit Card Processing: The Firm must provide an electronic system to accommodate credit/debit card authorizations and processing.

U.S. Bank eBill Service
Both Union Bank and U.S. Bank are committed to a smooth transition for our mutual customers. To achieve this, it is recommended that the City maintain your current product and process structure until full systems conversion (currently slated for late spring 2023). What follows is an overview of the U.S. Bank eBill Service, similar to Union Bank’s Total Biller Solution.

Item Number: 10.

23 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information U.S. Bank eBill Service gives the City a flexible electronic bill presentment and payment solution. Streamline your operations, reduce costs, increase payment rates, and meet your customers' changing demands by providing a secure, simple and fast way to make payments – how, when and where they want.

Multiple payment channel options
 Online
 Mobile
 Pay‐by‐text
 Online chatbot
 Facebook Messenger
 Artificial intelligence enhanced virtual assistants (Amazon Alexa, Google Assistant)  Biller customer service
 Interactive voice response (IVR)
 Real‐Time Payments and Request for Payments coming soon Multiple payment methods
 ApplePay
 Google Pay
 Credit and debit cards
 Debit card
Configurability options
 URL redirect
 Single sign‐on
 Hosted payment form (I frame) and API payment gateway connectivity A mobile‐optimized responsive portal with self‐servicing capabilities  Text alerts and email notifications—Enroll in timely billing/payment alerts or notifications  Online bill presentment—Enroll in paperless billing, view historical bills  Chatbot—Online chatbot answers questions, 24/7
 Payment frequency options—Recurring (payer defined payment date/amount), AutoPay (biller defined payment date/amount), one‐time pay and payment plan
 Administrative website—Support staff can:
 Access customer profiles
 Schedule/manage payments on for customers
 View payment history
 Run/download comprehensive billing and payment reporting

9. Emergency Preparedness and Disaster Recovery: The Firm must have a fully developed disaster recovery plan, including remote sites for currency acquisition and recovery of records.

Union Bank has diversified its technology services through geographically dispersed data centers in different states (California and Arizona). The centers are interconnected through high‐speed telecommunication links Item Number: 10.

24 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information through multiple redundant systems and can process in both standalone and connected states. The Bank’s other core services are redundantly backed up. Internet services include intrusion detection and firewalls that are tested by third parties. The power to both data centers is fully redundant with UPS modules and generators which remain primed and readily available for use if necessary.

The backup facility can be activated immediately when a disaster has been declared. A hot site with the computer, telecommunications, and environmental infrastructure required to recover critical business functions and/or information systems is also available. Operations from the backup site can be performed indefinitely.

The Bank maintains a remote hot site that provides full backup capabilities in the event of a failure. The plan for moving the operations to the remote hot site facility is reviewed annually. Bank staff can access the remote hot site directly from the current production facility if a disaster only affects equipment.

The backup facility can be activated immediately when a disaster has been declared. A hot site with the computer, telecommunications, and environmental infrastructure required to recover critical business functions and/or information systems is also available. Operations from the backup site can be performed indefinitely.

As part of all hazards planning, the Bank has developed multiple solution strategies that should enable it to recover business operations after experiencing virtually any form of reasonable disruption or outage. Due to the sensitive nature of this information, we do not disclose specific details regarding any actual disaster experiences.

We have provided our Security and privacy programs summary in Appendix 3, and additional information about our security and privacy policies is available on the Privacy and security center page of the Bank’s website. Please be assured that our clients’ security is paramount in every aspect of our relationship with you.

The Bank’s Business Continuity Program utilizes a corporate‐wide framework to initiate enterprise‐wide global response and recovery for all events that potentially impact the brand, reputation, and / or financial solvency of the Bank. Our “all‐hazards response” includes planning for many scenarios, including the possibility of a pandemic influenza. Our goal is to protect our employees as well as to mitigate impact to critical business functions. We have created and exercised through real events, the all‐hazards response approach, involving corporate support organizations, business leadership, risk managers, and key senior leadership. As part of all hazards planning, the Bank has developed multiple solution strategies that should enable it to recover business operations after experiencing virtually any form of reasonable disruption or outage. The program governance follows a structure that includes Board of Directors review and approval of the Business Continuity Program, Business Continuity Risk and Working Committees, policies and standards, and internal and external audits to ensure compliance with regulatory requirements.

Union Bank actively augments its operations, technology, and networking infrastructure. All deployed core applications have built‐in redundant telecommunications, server, storage, and software recoverability. All core applications are tested for recoverability prior to deployment. The Bank operates an operations, technology, and networking infrastructure to provide continuity of services and timeliness of delivery through all reasonable scenarios.

Item Number: 10.

25 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information The Bank has diversified its technology services through geographically dispersed data centers in different states. The centers are interconnected through high‐speed telecommunication links through multiple redundant systems and are able to process in both standalone and connected states. The Bank’s other core services are redundantly backed up. Internet services include intrusion detection and firewalls that are tested by third parties. The power to both data centers is fully redundant with UPS modules and generators which remain primed and readily available for use if necessary.

The Bank is comprised of bicoastal teams supporting the Bank’s wire department. Additionally, the Bank’s check printing services has a primary site and back up printing site in geographically dispersed locations. The Bank has recovery plans in place to failover from primary and back‐up sites with limited to no interruption.

Moving forward with U.S. Bank
General release statement
The Enterprise Resiliency program (Program) establishes and supports the U.S. Bancorp Business Continuity and Contingency Planning and Response program. The Program is designed to protect customers, assets and employees by evaluating the risks of significant adverse events; planning and validating response strategies; actively monitoring of and reporting on the threat landscape and effectiveness of the control environment; and leading emergency response teams.

This Program ensures U.S. Bancorp and its affiliates meet the fiduciary responsibility to stakeholders and comply with regulatory requirements of the Federal Financial Institutions Examination Council (FFIEC), the Securities and Exchange Commission (SEC), the Office of the Comptroller of the Currency (OCC), the Federal Reserve Bank (FRB), the Financial Industry Regulatory Authority (FINRA), the Office of the Superintendent of Financial Institutions (OSFI), the Central Bank of Ireland (CBI) and the European Banking Authority (EBA).

Additionally, U.S. Bancorp has met all recovery criteria as prescribed by the Interagency White Paper on Sound Practices to Strengthen the Resilience of the U.S. Financial System.

The U.S. Bancorp Board of Directors annually approves the U.S. Bancorp Enterprise Resiliency policy. Program status and any significant issues are reported annually to the U.S. Bancorp Board of Directors and quarterly to the Management Committee and senior executives.

Foundation of risk management
The enterprise resiliency program is supported by the Enterprise Resiliency group, a department of the U.S.

Bancorp Risk Management and Compliance division. The group consists of over 40 risk management and business continuity professionals.

Risk assessments
Risk assessments are foundational to the enterprise resiliency program. The results of risk assessments drive the planning, exercising and emergency response components of the program. The following risk assessments are performed:
 Business impact analysis (BIA)—Measures the effects of resource loss and escalating losses over time to provide the basis for risk mitigation and business continuity planning.  Third‐party resiliency assessment (TPA)—Evaluates the risks associated with processes performed by and/or technology provided by mission critical third parties to drive appropriate third‐party outage mitigation and recovery planning.

Item Number: 10.

26 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information  Threat vulnerability assessment (TVA)—Assess the risk of major natural hazard events along with the impacts of those events on U.S. Bank corporate locations and the mission critical processes/technologies executed at those locations.

Results of these risk analysis activities drive strategic recovery planning for continuity of operations. TPA occurs annually on the anniversary of the previous assessment or upon a significant change in the relationship.

The BIA is completed annually, or upon significant change, for all critical business processes. TVA Assessments are completed biannually or upon significant change.

Risk mitigation planning
The Enterprise Resiliency group has established and maintains guidelines which incorporate industry best practices for the operational resiliency of critical business processes and technology. To achieve operational resiliency, business process and technology owners, in partnership with and under the guidance of the Enterprise Resiliency group, build and maintain response plans to address threats and risks identified by the assessment activities described above. The response plans are integrated into the overall U.S. Bancorp Risk Management framework.

Business continuity response plans
U.S. Bancorp Business Continuity plans are developed and maintained to address operational resiliency and recovery strategies for such events as: pandemic/high employee absenteeism, natural and man‐made hazard impacts, technology outages and other business disruptions.

In the event a business office or operational facility becomes or is likely to become non‐ operational an appropriate business continuity plan will be activated. The response strategy will vary based upon the nature of the disruption and work impacted.

Response strategies include:
 Transfer work—Work is transferred to another location out of the impacted area that does the same business function or has been cross trained
 Relocate people within business—Team members from the impacted location are relocated to another site
 Relocate to regional recovery center—A location, other than the normal facility, will be used to process data and/or conduct critical or necessary business functions  Work from home—Team members will work from home on a bank‐owned device U.S. Bancorp business continuity response plans are reviewed and approved annually.

Disaster recovery response plans
The U.S. Bancorp technology infrastructure is designed and implemented to ensure high‐ availability and high‐ recoverability. Industry leading best practices and best‐in‐class technology components are utilized to operate a highly redundant, geographically dispersed network of data centers. All data is backed up to an out of region data center and all critical data is securely mirrored to an out of region data center.

Item Number: 10.

27 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information U.S. Bancorp Disaster Recovery plans are developed and maintained to address technology, infrastructure, application and data recovery and validation strategies in response to unplanned technology interruptions up to and including the loss of a data center.

Disaster recovery response plans are reviewed and approved annually.

Third‐party provider outage response plans
U.S. Bancorp vendor service plans are developed and maintained to address the risks from the loss of service from a critical third‐party provider. Vendor service plans include pre‐ planned response activities including but not limited to communication strategies, alternative work plans, and service resumption validation processes.

Vendor service plans are required to be reviewed and updated annually.

High absenteeism/pandemic response plans
The U.S. Bancorp Pandemic Preparation and Response plan is developed and maintained in partnership with senior leaders and other critical support departments to prepare for the possibility of pandemic flu in the same way that we prepare for other events that could affect our employees, customers and our communities.

The plan was prepared in communication with public officials, pandemic planning experts, various state and local organizations, and other financial institutions and businesses. The plan augments procedures already in place as part of the existing U.S. Bancorp Enterprise Resiliency program and outlines strategies to mitigate the impact of a pandemic upon the company, its employees and customers.

Plan validation
In alignment with regulatory requirements, bank policy, and industry best practices, resiliency plans are regularly exercised to demonstrate plan effectives and process/technology recoverability. Exercise scenarios include business continuity plan activation or activation simulation; local, regional, national and international crisis management and response team simulations; U.S. Bancorp and third‐party joint exercises; and key/critical infrastructure/application disaster recovery.

Enterprise resiliency policy requires business continuity and vendor service plans to be exercised on an annual basis. Disaster recovery plans for mission critical and key applications are exercised on a quarterly basis.

Results from each exercise are documented and reviewed by the Enterprise Resiliency group. Any issues or plan discrepancies are documented along with remediation plans.

Crisis management and adverse event response
The Enterprise Resiliency group’s Crisis Management department manages and coordinates the enterprise response to adverse events that threaten to harm the organization, its stakeholders, employees, assets or reputation. The enterprise response focuses on the safety of all employees, customers and assets of U.S.

Bancorp; minimizing disruption of service and/or inconvenience to customers; returning to a business‐as‐usual state as quickly as possible; and limiting any potential liability of our organization.

Employee training and awareness
Employee training and awareness is a critical component of the success of the U.S. Bancorp Enterprise Resiliency program. The training and awareness program consist of both formal and informal activities, including but not limited to required biennial training courses; response team planning; participation in functional exercises of recovery plans; and localized evacuation procedure drills.

Item Number: 10.

28 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Audits/exams/ISO certification
Annual internal audits and periodic OCC/Federal Reserve exams are conducted on the U.S. Bancorp Enterprise Resiliency program. The enterprise resiliency program maintains an ISO 22301‐Business Continuity Management certification.

Notifications
In the event of a major disaster at U.S. Bancorp that impacts your product or service, Commercial Customer Support will communicate with each client in a timely manner. Since it is impossible to anticipate every type of potential disaster, there can be no assurance that there will be no interruption of U.S. Bancorp business functions in all circumstances. The mission of the U.S. Bancorp Enterprise Resiliency program is to minimize the impact of any disruption.

Disclaimer
This document is subject to modification by U.S. Bancorp at any time.

10. Conversion Plan: The Firm must provide for a smooth transition. The Firm must also provide on‐site training to City personnel for the operation and use of the Firm's services and automated systems.

Implementation
We are pleased that the City is an existing Union Bank client, and we value our partnership.

Both Union Bank and U.S. Bank are committed to a smooth transition for our mutual customers. To achieve this, it is recommended that the City maintain your current product and process structure until full systems conversion (currently slated for late spring 2023). The following enhancements would be available to the City following conversion to U.S. Bank.

Conversion To U.S. Bank
As a current Union Bank client, your account is scheduled to convert to U.S. Bank systems and products over Memorial Day weekend, May 26 through 29, 2023.

What to expect
We understand that a typical new client onboarding requires significant client involvement to support in the exchanging of data and client information as well as KYC requirements. As a part of the acquisition of Union Bank, the focus of U.S. Bank is on minimizing change and a client’s interaction wherever possible. Clients like the City will not need to reestablish KYC, or legal agreements. DDA accounts will systematically be mapped to new U.S. Bank accounts, online tool access will be one click access from MUFG Exchange with credentials migrating over to U.S. Bank SinglePoint, only your validation of accuracy will be required. Necessary steps, key milestones and training to migrate your treasury management services will be communicated via a familiar channel in MUFG Exchange. Services like Cash Vault and Lockbox Processing, will remain relatively unchanged with PO Box utilization and processing occurring as it does today. Some services like transmission will require engagement and testing, but the focus is to minimize those activities.

For any subsequent implementations while on the Union Bank systems, the City can assist in a faster and easier implementation by committing both the business and technical staff needed for the transition.

The specific resources vary based on your organizational structure. Individuals from the following functional areas are typically part of the implementation team: treasury, accounts receivables/payables and/or credit, Item Number: 10.

29 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information information systems, and telecommunications. Clearly defined project goals and objectives, team members with assigned roles and responsibilities, well‐rounded test plans, and constant communication are the critical factors that can impact implementation lead‐time.

The City will have a single point of contact from our Client Delivery Team, who will be responsible for overseeing and executing the on‐boarding process, from the start of on‐boarding until after the Go‐Live date.

This single point of contact will help create efficiencies and improve the City’s overall on‐boarding experience.

We will schedule a kick‐off meeting with all parties to discuss the project plan in detail and as well as to assist the City in completing all required documentation. The onboarding process will include account openings, documentation preparation, product/service setup, testing, and any training needed before handing over to Client Service for day‐to‐day needs.
 Prior to the Go Live Date, the Client Onboarding Manager will complete one final review of all accounts and products that were setup to ensure information is accurate and they are setup up according to what the client initially requested, and that all users have successfully accessed MUFG Exchange and attended Training. The Client Onboarding Manager will prepare a Go Live Checklist to obtain approval to Go Live from the Client and TRM. This can be reviewed during the Weekly Status Call leading up to the Go Live Date or a specially focused call can be setup by the Client Onboarding Manager. Once the Client has approved the Go Live Checklist, Client Delivery can begin coordinating the Client Wrap Up/Warm Handoff Meeting.

The Client Wrap Up/Warm Handoff Meeting is essential to ensuring a smooth transition from the implementation to business as usual with the Bank for the City. By the conclusion of the call the City will know:
 Who to contact and how for customer service inquiries  Who to contact and how for assistance with MUFG Exchange  A reminder of what you can and can’t self‐administrate  Who to contact and how should you need any product maintenance including maintenance to users on products that you can’t self‐administrate
 What to expect when you contact each of the Servicing Units  An understanding of who the City’s Treasury contact is and how/when to engage them  The Client Onboarding Manager will reach out to the City for a Post Implementation check‐in to assess whether the solutions implemented are to your satisfaction and if any changes are necessary before formally closing out the Implementation
Client services
To ensure that you receive the best possible customer service, we have an assigned, outstanding relationship management team to oversee all aspects of the City’s banking relationship. Prashant Gandhi will serve as your primary treasury relationship manager as well as your trusted advisor and consultant to execute new services and provide personal attention to details throughout the implementation process. Prashant will work with our Transaction Banking (TB) Client Services Team to ensure you continue to receive the best possible customer service.

The City receives customized support even if your relationship manager is temporarily unavailable. Each customer service representative has access to information on all accounts to answer inquiries, resolve issues, or conduct requested research. Special situations requiring additional authority are escalated within the management of our TB Client Service team.

Item Number: 10.

30 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Banking supplies
All supplies can be ordered conveniently online at www.unionbank.com/supply or by calling the Union Bank Supply Desk at 800‐990‐6466. There is a mark‐up fee that will be pushed to the Account Analysis statement where the City’s Earnings Credit Rate can be used to offset fees.

U.S. Bank new service implementation after May 2023 system conversion We’ve designed a digital onboarding process to make your transition smooth and efficient. We spend the time and resources to build a solid foundation for a successful relationship between the City and U.S. Bank. As your dedicated business partner, we work to understand your organization and provide solutions to support your business needs. You can rely on our commitment, accessibility and responsiveness.

A seasoned team of experts, dedicated to
your success
Your primary U.S. Bank contact is your
relationship manager who works with your
U.S. Bank implementation team.
 Client integration specialist—They play a
critical role in guiding the entire
implementation process as your primary
contact. They distribute and obtain
appropriate documentation; work closely
with various departments within U.S. Bank;
and coordinate the technical team for
system testing and training. Their level of
experience and commitment ensures an
accurate and timely implementation.
 Treasury management consultant—They
work with you to identify appropriate
solutions to help your organization manage
cash and improve efficiencies. They keep
you informed of new or emerging technologies which may impact the way you do business.  Treasury management associate—They work closely with you’re the treasury management coordinator to establish identified products and services.

Although there are many people involved in implementation treasury management services, you will always have one contact you can call with questions during your implementation process – your client integration specialist. After successful implementation, you are assigned a Commercial Customer Service team for ongoing product and account support.

Digital tools streamline the entire process and give you more insight and control Digital onboarding provides complete visibility of all your implementation activity – all within one location, SinglePoint. With the digital dashboard, next steps are quickly identified, and your employees can easily collaborate to keep the process moving.
 We’ve simplified document exchange by enabling you to securely exchange sensitive bank information online. SinglePoint notifies you when your documents are ready to print, sign and upload.  Currently in pilot, electronic signatures allow users to quickly and securely sign documentation, with no need for paper, printers and scanner. Prepopulated forms streamline completion. Notifications alert you when documents are ready, ensuring continuous progress.

Item Number: 10.

31 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information A detailed holistic solution, tailored to your needs
A collaborative partnership to customize your implementation Discovery meeting We ensure we have an in‐depth understanding of your workflows and related cash flows to appropriately finalize the solution set
Meeting your implementation team Your dedicated team works with your employees throughout the process Implementation strategy A comprehensive plan designed to achieve your specified production date Kickoff meeting
 Key stakeholders from U.S. Bank and the City are introduced  Documentation can be presented for execution
 Preliminary timeline is discussed and agreed upon
Weekly touch point meetings We meet with your key stakeholders throughout the process to ensure benchmarks are on track and any issues are quickly resolved
Completing documentation via
SinglePoint
 Onboarding Tracker facilitates file exchange as we establish accounts and integrate services. Prepopulated forms streamline the process
 SinglePoint notifies you when documents are ready or require attention  Agreements and/or questionnaires are completed and received by your implementation resource, which marks the start of the service set up Test data transmissions
 We test for connectivity through a telecommunications handshake  You transmit test files for each applicable service to ensure data is properly received
 Upon successful testing, we select a production date

11. Data Equipment Compatibility: The City is interested in equipment and data compatibility and therefore request the specifications needed for an automated wire transfer, ACH debit and credit, credit card, balance reporting and any other automated system be included in this proposal. Any cost associated with the automated data and equipment should be identified on the bid.

MUFG Connect
The MUFG client access system is internet based and owned, created, and maintained by MUFG. There are no specific hardware or software requirements for access. A secure token is required to approve a wire for release. Additional treasury services, such as Information Reporting, account transfers, and stop payments are also available online. The City only needs the appropriate security entitlements to access our other services.

For greater efficiency, the automated file delivery feature enables the City to automatically download data files and standard reports on a set schedule or on‐demand via our wire import, integrated payables, or EDI interface options.

At MUFG, our goal is to simplify connectivity. MUFG Connect accomplishes this using a three‐pronged approach to integration.

Item Number: 10.

32 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information

1. A range of standard formats and connectivity options  Formats: ISO 20022 XML, ASC X12 EDI, NACHA, BAI, BAI2, SWIFT and other commonly used formats such as CSV and others.
 Connectivity: Direct connectivity options include commonly used protocols such as SFTP, FTPS, and AS2 as well Value Added Networks (VANs). We also offer an internet‐based small file upload feature via our online platform. In addition, we support SWIFT Corporate Access for FIN and FileAct.

2. Format Translation Services: format transformation as a service—no coding because we conform to your format requirements
We recognize technical resources are precious. Format transformation is an integral component of the MUFG transmission‐based services so that the City can make a transition to a new banking partner easily. To remove the complexity of bank change management processes, we shorten the implementation time by providing mapping as an operationally delivered service.

3. Vendor Integration Program (VIP): standard connectivity with application providers We have strong relationships and standard processes already established with ERP and Treasury Management System (TMS)/Treasury Workstation providers. Simply let us know what kind of payments you want to make, acknowledgements to be received, and balance and transaction information to be delivered to you because full integration is already in place. This removes the need to discuss format, protocol, and data security. It also significantly reduces or eliminates the need for file testing.

In addition, a key MUFG objective is to leverage API as the basis for standardized connectivity with vendors in the near future.

Vendor Integration Program
Established connectivity with ERP, TMS, receivables, and integration providers.

Moving Forward with U.S. Bank
Wires
SinglePoint is an internet‐based suite of integrated treasury management services. Your treasury management consultant will discuss available services you can access during the implementation process. In addition to wire transfers, SinglePoint provides:
 ACH
 Book transfers
 Image access
 Image file
delivery
 Positive pay
 Reverse positive
pay
 Stop payments
 Information
reporting
 Direct wire API
 System
administration
There are no hardware or software requirements; therefore, we do not have direct connections to the wire transfer system.

Item Number: 10.

33 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information ACH
We work with you to find the most optimal
solution(s) to meet your needs
Direct transmission origination
The City must be able to transmit a Nacha
formatted file using transmission protocols
supported by our Managed File Services, including Secure FTP and Secure HTTPS. You may also utilize the SWIFT File Act service to transmit your files for processing.

We can also translate non‐Nacha formatted files for you. We support origination of ACH using a flat file via consolidated payables, ANSIX12 820 format, or ISO20022. You may also submit a custom format to our Data Integration Services for translation to a Nacha format. Data Integration will work with you to obtain file specifications and develop data mapping for testing.

Integration and installation
Managed File Services establishes and tests your transmission set‐up during implementation and manages all incoming and outgoing transmission files. Once connection is established, we begin testing ACH file format compatibility. We require two successfully tested files containing unique data before transferring into production.

Production environment
When connection and file format testing is completed, we send PIN information for entering the City’s control totals into the ACH file confirmation system, with three options for confirming files:
 Option 1: ACH file confirmation with system confirm—Call in your control totals to the voice response unit (IVR) using your PIN and required or requested confirmation. You manually call back into the system within the allotted time frame to confirm file receipt. We match the file totals on the transmission to the totals that were submitted into the confirmation system. You can choose to provide control totals and not access the manual confirmation notice.
 Option 2: ACH file confirmation with fax, secure email or transmitted confirmation—Call in your totals and receive a file confirmation via fax, secure email or transmission. We match the file totals from the transmission to the totals that were submitted into the confirmation system.  Option 3: Automated file confirmation—An automated solution allows you to transmit your file for processing and receive confirmation via fax, secure email or transmission. You must notify U.S. Bank in the event information on the file confirmation does not match the information sent in the file. The file will be processed unless you contact U.S. Bank.

Our network operations group issues a Connect ID unique to the ACH application, which becomes part of the file the City transmits to U.S. Bank. ACH services processing hours are from 10 p.m. PT Monday to 10 p.m. PT Friday.

We process and originate Nacha formatted files on behalf of our originating clients, supporting several transmission protocols, including Secure FTP, Secure Command Line FTP and Secure HTTPS.

Item Number: 10.

34 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information SinglePoint origination
We format all ACH batches and transactions that are sent through SinglePoint ACH services. We format batches to Nacha specifications on behalf of our clients. You can enter transactions into templates in SinglePoint or import Nacha, CSV or Fixed Length files to create templates and batches.

Integration and installation
Your implementation coordinator works with you to:
 Set up the City on the U.S. Bank ACH system
 Define settlement accounts
 Assign ACH company IDs and add them to SinglePoint
 Assign entitlements to ACH users
 Send payment security tokens to authorized users
Consolidated payables
By sending a single payment and remittance file, U.S. Bank Consolidated Payables can generate various payment instruments, including ACH transactions, wire transfers, checks, Zelle® and virtual card payments, so you don’t need to maintain and support four separate payment processes.

You can capture efficiencies and cost savings by migrating from paper‐based check payments to electronic payments. As payment types change, those payment origination instructions can remain within your single consolidated payables payment origination file.

Payment‐specific features include:
 Streamline ACH origination including remittance information—Our full suite of ACH capabilities enable migrating paper check transactions to electronic transactions. U.S. Bank ACH Payee Remittance Reporting delivers business payee remittance information separate from the ACH payment via secure email.  Outsource your check printing—U.S. Bank Check Payables provides an efficient and secure solution for check payment production. We facilitate the entire process to print and mail the checks, corresponding remittance detail and any optional inserts. A checks‐issued file is provided to our account reconciliation and positive pay services to ease management of the check clearing process and help reduce check fraud.  Mix wire types—U.S. Bank Batch Wire may contain a mix of repetitive, semi‐repetitive and/or non‐ repetitive transactions for both domestic and international payments, offering flexibility and efficiency.

For wires originated in foreign currencies, a previously acquired exchange rate must be included in the payment instruction.
 Create virtual card payments—U.S. Bank Virtual Card systems increase control over spending and reduce risk using pre‐authorized limits and single‐use accounts.  Transition business‐to‐consumer payments to electronic—U.S. Bank Disbursements via Zelle uses an alias to identify the recipient of a payment, in the form of a mobile number or email address, eliminating the need for clients to gather and maintain consumer banking information.

With consolidated payables, you can send your payment instructions in a data format familiar to your systems, reducing the need to revise databases or financial systems to distribute payment instructions. Our data translation features support industry standards, (such as ISO 20022 and ANSI X12), bank‐defined standard flat files, and proprietary formats.

Item Number: 10.

35 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information ACH Origination via API
ACH Origination via API allows you to send payment instructions for ACH transactions to U.S. Bank using a REST API. ACH Origination via API supports payment instructions for PPD, WEB, TEL, CCD and CTX transactions. ACH Origination via API allows the sending of Same Day ACH transactions and utilizes Sunday processing to allow transactions to be submitted for processing during the weekend and bank holidays and be effective the next valid business day.

Representative State Transfer (REST) APIs are quickly becoming the standard for public and partner APIs.

Unlike SOAP, REST does not solely rely on XML messages. Messages can be written in XML, Yet Another Markup Language (YAML) or any other format that is machine‐readable. Most commonly, REST APIs use JavaScript Object Notation (JSON) messages. This message type is easy to learn, easy to understand and shorter – making it faster for applications to process. Due to their flexibility, learning curve, and ease of use, REST APIs are the standard for our U.S. Bank developer portal.

Clients that originate via API can also set up a webhook subscription so that their system is automatically notified of return and NOC items. When you set up a webhook subscription, you can decide what information you’d like returned for a specific event. When the event occurs, the application sends the information to you. In addition, you can get their ACH return and NOC reporting via transmission and SinglePoint reporting.

SinglePoint, including information reporting
Operating system
Optimal browser versions Minimal browser versions
TLS 1.2 automatically enabled.
(Includes version shown or current
version.)
You must manually enable TLS 1.2 in
browser security settings.

Windows® 7  Chrome 30+
 Firefox 27+  Firefox 24 through 26
Windows 8  Chrome 30+
 Firefox 27+  Firefox 24 through 26
Windows 10
 Edge 12+
 Chrome 30+
 Firefox 27+
N/A
Apple® Mac OS® X
 Chrome 30+
 Firefox 27+
 Safari 7+
Firefox 24 through 26
Mobile
Android 4.1 through 4.4.4 Chrome 30+ Google Android™ browser Item Number: 10.

36 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Operating system
Optimal browser versions Minimal browser versions
TLS 1.2 automatically enabled.
(Includes version shown or current
version.)
You must manually enable TLS 1.2 in
browser security settings.

Android 5.0+ Chrome 30+ N/A
iOS 5+ Safari 5+ N/A
*Transport Layer Security (TLS) is a security protocol that provides communications security connections between your Web browser and the server at usbank.com. Version 1.2 of the TLS protocol was defined in 2008 as the current latest version.

Workstation requirements and recommendations
Component Optimal workstation Minimum workstation
requirements
Screen resolution 1280 x 1024 or higher 1024 x 768
CPU 2.0 GHz processor or faster 500 MHz or faster
Modem Broadband internet connection 56 KBPS
Memory 4 GB or more 1 GB or more
Hard drive disk space 100 MB or more 35 MB or more
Users may also need Adobe® Reader® and Microsoft Excel® or compatible application to view and print certain reports.

Optional Services:

Trust and Escrow Agent Services Account
Union Bank no longer provides trust and escrow services, however, the City has been a custody client of U.S.

Bank since 2019. We discuss our custody solutions in detail on the next several pages.

Comprehensive custody solutions
U.S. Bank is well positioned to continue providing the City with a superior solution going forward. We have been delivering reputable and reliable trust and custody services for institutional clients for more than 125 years. You will continue to experience the state‐of‐the‐art custodial services of a large bank, with the ability to have these services modified to meet your particular needs.

The table below provides an overview of the full suite of custody services that our trust and custody group can offer:

Item Number: 10.

37 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Custody solutions
Asset safekeeping Corporate actions
Accounting and reporting Proxy management
Cash management Asset pricing
Income collection Benefit payment services
Online portal reporting Performance measurement
Securities transaction management Investment management Global custody Securities lending
Superior client service
A distinct advantage of continuing your relationship with U.S. Bank is our commitment to providing the City with a dedicated service team with of familiar professionals. Your relationship manager and account manager will continue to collaborate with you to help ensure all your custody needs are met.

Your relationship manager will continue to facilitate the strategic workflow and oversee your partnership with U.S. Bank. They will meet with you as frequently as requested to ensure that your staff is trained on pertinent systems and that U.S. Bank staff is communicating effectively. Your relationship manager’s responsibilities include:
 Designing, updating and communicating the service plan to key stakeholders  Overseeing all aspects of the relationship, including coordinating communications, meetings and data flows and remaining current on relevant industry issues  Initiating, coordinating and leading client meetings for administrative, operational or strategic purposes at your desired frequency
 Communicating with you, key bank personnel and other internal workgroups about important developments that impact the relationship
 Assisting in resolving administrative or operational issues and escalating them as appropriate Your account manager will continue to serve as your direct day‐to‐day custody contact. They will facilitate the daily workflow and provide tactical support for your account. They will work closely with your relationship manager and other U.S. Bank technical and operational teams to customize your reporting and program requirements. They will also work with our highly tenured staff of trade services specialists to assist with trade execution and trade settlement. Your account manager’s responsibilities include:
 Overseeing transaction processing, fiduciary administration, report and accounting information, and issue resolution
 Handling non‐routine issues or special projects
 Completing annual account review and updating documentation as required  Monitoring un‐invested cash and resolving overdrafts
 Overseeing effective communication and ensuring a seamless flow of relevant information among money managers, investment consultants and other stakeholders Item Number: 10.

38 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Enhanced reporting through Pivot
Our internally developed online portal, Pivot, gives you and your investment managers secure, user‐friendly, 24/7 access to account information and data. With Pivot, you will
experience all of the benefits of an advanced reporting system, including real‐time reporting, customizable views and electronic statement delivery. Pivot’s capabilities feature:
 Easy‐to‐read home page dashboard providing high‐level information on asset allocation, cash balances and
positions that can be drilled down further to investment details by security
 Option to view by settlement date, trade date or
transaction date
 Customization and flexible data points with the ability to sort the order and types of output  Easy downloading to various output formats including PDF, CSV and Excel, depending on the requested reports
 Ability to see reports with multiple or even all of your accounts simultaneously  Plan recurring reports and receive notification when they are ready  Schedule cash transfers including wires, checks, ACH and transfers to U.S. Bank DDAs up to 31 days in advance with various authorization options and downloadable audit reporting  Trading ability for domestic publicly traded securities and alternative investments with various authorization options
 Entry of trades dated up to 31 days in advance with the ability to modify or cancel a trade until the morning of the order date
 Affirm or enter already‐executed trades (with dual‐approval options)  Availability of daily income accrual
 Direct transfer of assets between accounts
 Investment performance reporting
Pivot offers quick‐view ability and multi‐level financial data summaries along with large data download capabilities for increased information flow. You can reference up to 24 months of historical data and use it to create, print and download custom reports. Pivot is easy to navigate with efficient shortcuts between active accounts and account groups, and access to third‐party applications for corporate actions and benefit payments. In addition to the support you receive from your client service team, our resolution center is available by phone from 6 a.m. to 7 p.m. CT Monday through Friday and via email and voicemail 24 hours a day, seven days a week.

For your reference, we have included a sample of our Custody Financial Reporting Package as Appendix 04.

Payment of Financial System Upgrades and Fees through use of analysis and supplies
The standard billing settlement period is monthly. You are advised if there is a deficiency on your account analysis statement. Deficiencies are collected by debit on the twenty‐fifth day of the next month or on the following business day if the twenty‐fifth is a holiday or weekend.

Item Number: 10.

39 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Excess balances are not carried forward for most market price schedules. We have the ability to grant an extended settlement cycle, such as quarterly or annually, on an exception basis. Effectively, the extended cycle has some provision for excess balance accumulation. However, at the end of the extended cycle, excess balances would not be carried forward into a new cycle.

Balance Available to Support Activity: The adjusted balance (ledger balances, plus or minus adjustments, minus uncollected funds, plus funds advanced, minus legal reserves and minus other loan compensating balance requirements) that may be used to offset charges for bank services. This balance is used to calculate your earnings allowance.

Please review Understanding Your Account Analysis Statement, provided in Appendix 5.

All supplies can be ordered conveniently online at unionbank.com/supply or by calling the Union Bank Supply Desk at 800‐990‐6466. There is a mark‐up fee that will be pushed to the Account Analysis statement where the City’s Earnings Credit Rate can be utilized to offset fees.

Our account analysis statements are available online in CSV, Excel, HTML and PDF formats. Information downloaded in CSV format displays in an Excel format and the data may then be uploaded into a variety of accounting systems and ERPs. These statements can be viewed for the past seven years.

Account analysis statements are available online approximately 15 calendar days after month‐end (statements are processed on the second weekend following month‐end.

Mailed statements are available on the Monday following AAA generation, which is the weekend after the second full week of the month.

Online Banking payments collected in a batch deposit
Moving forward with U.S. Bank
Both Union Bank and U.S. Bank are committed to a smooth transition for our mutual customers. To achieve this, it is recommended that the City maintain your current product and process structure until full systems conversion (currently slated for late spring 2023). What follows is an overview of our E‐Lockbox and VantagePoint products, which may be of interest to the City as you look to modernize your Accounts Receivable practices following systems conversion.

E‐lockbox
The City’s consumers can originate e‐lockbox payments from several channels to initiate payments.

Item Number: 10.

40 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Seamless settlement
 Payment information entered at time your customer initiates a payment, including account number and amount (dependent on the channel and the third‐party payment originator – if customer’s bank is unable to locate biller ID associated with your profile, payment is remitted as a paper check)  Your customer’s bank or payment originator processes the payment for release to the payment network  Payment network transmits payment information and remits settlement funds to U.S. Bank E‐Lockbox  We credit your U.S. Bank account on the same day and provide posting file to support reporting and reconciliation requirements
 Payment settlement transactions only available on banking business days You can receive consumer‐initiated payments electronically with e‐lockbox. The payment network consists of over 120 payment originators, including all consumer banks who offer online bill pay, as well as third‐party payment consolidators.

Payment initiation, processing and routing
 We establish the City (biller ID) on the payment network.  Payment originators perform payment processing and routing based on your e‐lockbox profile; if the consumer‐initiated payment does not match your profile (e.g., incorrect entry of payee name, address), it will be remitted as a paper check.
 Consumer payments matching your e‐lockbox criteria are routed electronically through the payment network to U.S. Bank.

Payment settlement
 We receive transaction information – including credits and reversals (debits) where applicable – from the payment network.
 Credits are made to your account on the same day they are received.

Item Number: 10.

41 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Remittance reporting
 Our e‐lockbox Support Operations team receives daily files from the payment network.  You receive a consolidated remittance file each day by 8:30 a.m. PT that can be posted to your A/R system.
 Remittance file transmissions or downloads are available through VantagePoint. Reports can be limited to e‐lockbox payments or consolidated with other receivables payments.

VantagePoint
The City may face many challenges with your receivables management processes. You receive multiple payment types, remittance information is sent separately or not at all, and there are different processes for applying different types of payments. U.S. Bank VantagePoint® is a centralized receivables management solution that will redefine how the City manages and interacts with your payments, data and images – and streamline payment posting.
 Centralized client interface for receivables payments, leveraging the power of SinglePoint  Customizable business rules and workflows quickly identify exceptions and route payments for review  Upload invoice detail and/or supporting documents to transactions  Reassociation of remittance data with the financial transaction (if separate)  Strategic view of working capital cycle to enhance decision making A simple and streamlined workflow
VantagePoint is highly configurable with an array of features you can use to benefit the City. We will gladly provide a demonstration so you can see the possibilities and ask questions specific to your challenges and objectives.

E‐Payments
Consolidated payables
Almost all organizations make diverse payments, and the more payment types you use, the more complicated and costly the payables processes become. Consolidated payables streamlines those processes and helps the City move toward electronic origination of all payments. You send U.S. Bank one data file with all your payment information for any combination of ACH, wires, checks, virtual cards, Zelle® and Real‐Time Payments.

We facilitate the production and distribution of payments and related remittance information.

Item Number: 10.

42 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information With consolidated payables, you can send your payment instructions in a data format familiar to your systems, reducing the need to revise databases or financial systems to distribute payment instructions.

Consolidated payables allows you to originate electronic payments and optimizes your working capital by:
 Offering bank‐defined flat and industry standards to exchange payments  Reducing manual processing and the chance for human error  Reducing the costs of making disbursements
 Providing greater control over the timing of payments and improving cash forecasting Payment‐specific features
Streamline ACH origination to include
remittance information
Migrate paper check transactions to electronic transactions with our full suite of ACH capabilities. U.S. Bank ACH Payee Remittance Reporting delivers business payee remittance information separate from the ACH payment via secure email.

Outsource your check printing
U.S. Bank Check Payables provides an efficient and secure solution for check payment production. We facilitate the entire process to print and mail the checks, corresponding remittance detail and any optional inserts. A checks‐ issued file is provided to our account reconciliation and positive pay services to ease managing the check clearing process and reduce check fraud.

Mix wire types
U.S. Bank Batch Wire may contain a mix of repetitive, semi‐repetitive and/or non‐repetitive transactions for both domestic and international payments, offering flexibility and efficiency. For wires originated in foreign currencies, a previously acquired exchange rate must be included in the payment instruction.

Create virtual card payments
U.S. Bank Virtual Card systems increase control over spending and reduce risk using pre‐authorized limits and single‐use accounts.

Transition business‐to‐consumer
payments to electronic
U.S. Bank Disbursements via Zelle® uses an alias (mobile number of email address) to identify the recipient of a payment, eliminating the need for you to gather and maintain consumer banking information.

Web Based Payment System
MUFG Exchange
MUFG Exchange is a robust online platform that is your single point of access to online treasury, trade as well as trust and custody services. Dashboard technology aggregates your financial data based on preferences for a personalized, consolidated view to enhance your ability to make efficient, informed decisions across multiple products and services.

Supported formats:
–  ISO 20022
–  ANSI X12
–  Bank‐defined
standard flat files
–  Proprietary formats
Item Number: 10.

43 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information MUFG Exchange features
Feature Details
Single point of access to all of your
online services
Access MUFG applications from one point of entry. Following are just some of the services that are accessible:
 Automated Clearing House (ACH) Origination
 Check and ACH Positive Pay
 Information Reporting
 Lockbox Online
 Wire and Internal Transfer services
 Payables services
Quick access to critical information
through a home page dashboard
View personalized snapshots of aggregated financial data based on preferences on the home page to make informed and expedited decisions.  Widgets aggregate data from various applications with account information summary and single click access to critical data. (This information is refreshed each time the user navigates away from the dashboard home page.)  Action Items: the number of transactions and/or administration activities that require approval
 Balances: a quick glance of current available and prior day closing ledger balances for up to 400 accounts
 Favorite Templates and Favorite Reports: fast access to commonly used templates and reports
 Account alerts and product notifications are easily visible on the landing page  Real‐time account balances are available upon login
Fast navigation between services
Access services via mega menus available from anywhere within MUFG Exchange.

View action items, alerts, and a help menu from any application.

Personalization
Individualized content and design provide enhanced usability.

Personalization:
 Available menu items and widgets are tailored to each user’s entitlements to streamline navigation
 Widget content can be customized by each user
 A bypass feature allows the user to choose to skip the default landing page upon login to go to specific service
Responsive design:
 Supports multiple devices (e.g., desktop, tablet, and mobile). The dashboard automatically resizes and formats menus and widgets to accommodate the user’s screen size
Item Number: 10.

44 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Feature Details
Easy and fast self service
Submit service requests online for Remote Deposit, Lockbox, Deposited Items Returned, ACH Origination, and ACH Exchange.
 Send requests directly to the implementation team for faster processing, and then easily track them
 Search service requests from a 365‐day archive
Register for live product training sessions with our knowledgeable trainers through the Training Center.

View product user guides and training videos.

Security administration controls
Assign users to certain accounts and/or to certain services.  Set up and manage access for all users
 Add, delete, and reset passwords and assign security tokens  Edit entitlements and view and download user‐entitlement reports  Establish automatic security settings for MUFG Exchange  Access a 90‐day history of any service‐change requests Only your contracting officers who are the City’s decision‐makers for banking products and services and web administrators can access and manage the information.

Security
Rely on a high‐level of protection of your financial data and transactions.  Our multi‐layered security approach helps detect suspicious activities associated with user logins and transaction initiations.
 Physical and mobile token authentication continuously generates a six‐digit number used along with a user ID. This unique passcode is extremely difficult to replicate.
 Dual control security requires a secondary officer or administrator to review service requests before they are processed.
 IP address restriction allows only approved IP addresses to access your accounts.
 Complimentary anti‐virus threat protection software protects devices from malware, viruses, and phishing attacks.
 Account activity alerts provide timely insights into any unusual activity on an account.

MUFG also has a dedicated Fraud Management team that monitors online activity and immediately responds to potential fraud.

Virtual Training Attend private and group training sessions for hands‐on and personalized training.

Item Number: 10.

45 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information MUFG provides a full suite of secure online services and tools, including:

Category Services
Payments and transfers
 ACH
 Wire and internal transfers
 Stop payments
 Payables services
 Tax payments
Receivables
 Remote Deposit
 Invoice‐to‐Pay
 Deposited Items Returned
Reporting
 Information Reporting
 Image services (e.g., Image on Demand)
 Liquidity Center
Fraud prevention  ACH and Check Positive Pay
 Account reconcilement reports
Trust and custody
 Issuing and Paying Agent service
 Online Trust and Custody
 MoneyPort
MUFG Exchange benefits
Convenience and visibility
View snapshots of financial data and access quick links to frequently needed data, actions, and services. MUFG Exchange also provides secure messaging and alerts.

Control
Quicky set up and manage access for users, including password resets, token management, entitlement and security settings.

Security
Help protect transactions and data with embedded tools, including user entitlements, token authorizations, dual‐control authorizations, IP address restrictions, and anti‐virus software.

MUFG Exchange supports authority segregation by function at user level including segregation by transaction types, transaction limits, account access, and report types.

We also support dual approval for high‐risk transaction types and administration functions.

Item Number: 10.

46 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Information Reporting
Versatile, timely, and accurate information reporting is the key to effective treasury management and an important element of sustainably running the City.

Information reporting lets you manage your funds any time, wherever you are, through the use of our secure online portal. You can check account balances, view transaction details, and determine your cash position for all of your U.S. dollar and foreign currency accounts. This level of information allows you to improve financial decision‐making, capitalize on opportunities, and reduce loan balances as needed.

You can also easily customize the balance, summary and detail reports to get the information you need to make informed business decisions. You can even export the data in various file formats to feed your internal systems.

In addition, images of the front and back of paid checks, deposit tickets, including the items deposited, are available on your prior day transaction reports for up to 90 business days. You can view, print, download and save the images.

MUFG enables you to access prior and current day account balances with transaction detail online through the following options.

Option Details
Information Reporting Landing Page:

Balance Screens
Access information quickly from the Information Reporting page:
 Balances (i.e., balance screen) for those users with access  Complete transaction (e.g., ACH, wires) detail and images are immediately available by clicking on the date link on the balances screen  Five days of historical data and 120 calendar days of historical data Reports
Standard and other text‐based reports (i.e., special reports) provide balance and transaction detail information:
 120 calendar days of historical data
 Customized reports for quick, ongoing access
Transaction Search
Search for a specific transaction or a group of transactions by the following categories.
 Account
 Transaction Type
 Criteria
 Date
 Serial number
 Amount
 Customer Reference number
 Bank Reference number
Item Number: 10.

47 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Option Details
Images (if available for the specific transactions) are provided on the transaction’s results page.

Export
Export account balances and transaction information in a variety of industry‐ standard and character‐delimited formats.
 BAI2
 Comma separated
 QuickBooks
 Semicolon separated
 SWIFT
 Tab Separated
Features
Feature Details
Historical data access
Determine an overall integrated treasury position by viewing historical information is available for up to 120 prior calendar days for your MUFG USD and foreign currency demand accounts and other non‐MUFG accounts.

Customization
Flexible, user‐friendly data selection capabilities enable you to customize standard reports for:
 All or specific accounts
 Reference numbers (e.g., check numbers and amount ranges)  Deposit locations
 Date ranges
 Transaction types
Save customized reports with frequently selected criteria for a single user or multiple users.

Easily edit and delete reports from within a user’s list as needs change.

Data Search
Select a single date, range of dates or relative and absolute dates and choose from pre‐defined types of data (e.g., all credits, ACH debits, wire debits and credits).

For example, view all incoming wire transactions greater than $25,000 for a specified account.

Reports
The bank provides a full range of prior day reports to meet your reconciliation needs.

Item Number: 10.

48 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Prior Day Reports
Report Name Description
Prior Day Summary
Posted information for USD and foreign currency accounts  Closing ledger balance
 Opening and closing available balance
 Total float, one day float, and two‐or‐more day’s float  Dollar totals for all credits and debits
 Number of credits and debits
 Dollar totals for ACH, wire transfer, zero‐balance accounting, deposited items returned, sweep, and lockbox transactions
 Adjusted ledger balance after back‐valued transactions (which change the previously reported closing ledger balance) posted to MUFG foreign currency accounts
Prior Day Detail
 Posted transactions on individual credits and debits for MUFG USD and foreign currency accounts as well as non‐MUFG accounts
 Complete transaction detail reported on ACH and Wire debit and credit transactions if the account is also set up for current day reporting. All other transactions display description, amount, reference information (e.g., batch, sequence, check numbers, descriptive text)
 Transaction types or individual BAI type codes can be selected for all posted debits and credits for ACH, account reconciliation, lockbox, wires, deposits, checks, investments, sweeps, deposited items returned, securities, treasuries, international, and zero‐balance transactions
Prior Day Combination
All posted account summary and detail information from the prior day summary and detail reports.

The summary and detail sections are displayed together for each account.

Paid Check Paid checks, including check number for BAI type code 475 – Check Paid.

Prior Day Detail No Check The same information as the Prior Day Detail, excluding the Check Paid detail type code (i.e.., BAI 475).

Item Number: 10.

49 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Prior Day Reports
Report Name Description
Multi‐Day Statement
Prior day information from the beginning of the current month through the last prior day for which transactions were posted.
 Opening ledger (from the first business day reported)  Total debits, reflecting the total for all dates that Transactions display  Total credits, reflecting the total for all dates that Transactions display  Closing ledger (from the last business day reported)
 All transactions for the posted dates in the report
 Transactions for each account listed in BAI type code order (e.g., ACH Credit (165), Wire Credit (195)). Credits are listed first, then debits.

Transaction information includes:
 Posted date
 Transaction name
 Amount
 Bank reference number
 Customer reference number
 Transaction detail
Positive Pay Exception Report
 Previous day summary totals for all provisionally paid exception items detected after processing of paid checks in the Account Reconciliation system (i.e., BAI type codes 478 and 479).
 Previous day information for all exception items detected after the processing of your paid checks in the Account Reconciliation system. The report also lists check number and reason for each exception item.

Deposits Processed
 Previous day information on deposits by date, amount, division, location, and type.
 The MICR line encoded on each deposit ticket contains the location and type of deposit
EDI Receipt Report
 Incoming ACH, lockbox, and wire payments from your trading partners  Payments and remittance data displayed include debit/credit party routing numbers, company ID, trace numbers, and receiver/originator information Money Market
 Money market account ledger balances, accrued interest, interest paid, location names, escrow names, and numbers as of close of business the previous day  Details listed by account and subtotaled by location
Reports are available by account or escrow number
MUFG provides current day reports that include both status and summary information for transactions credited and debited to your demand deposit and foreign currency demand accounts during the business day.

The information is updated routinely throughout the day Monday through Friday, between midnight and 7 p.m. PT.

Item Number: 10.

50 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Current Day Transaction Matrix – Pacific Time
Transactions Update times (Pacific Time)
ACH
 Payment ID and Addenda
6 a.m., 2 p.m., 11 p.m.

Controlled Disbursement (summaries and details)
 Presentment, adjustment, and funding
4:30 a.m.
6:45 a.m.

Float adjustments and assessments
 Description, origination date, number of days
assessed
9 a.m.

Foreign Currency Demand accounts
 Description and value date
Hourly between 8 a.m. and 4 p.m.

Positive Pay   9:30 a.m.

Returned items
 Electronic: individual name, entry description, and
return reason
 Paper: return reason
5 a.m., 9 a.m., 1 p.m., 11:30 p.m.

Lockbox
 Amount, number of items, lockbox number, 0‐1‐2+
day float, invoice amount, remitter name, and check
number
8 a.m., 9 a.m., 11 a.m., 12:45 p.m., 3 p.m.,
6:50 p.m.

Memo posted items
 ATM
 Manually posted memo transactions
 Hourly updates for demand deposit accounts (DDAs) during PT business hours
 Midnight‐3 p.m. same day
 Hourly for foreign currency demand accounts (FCDAs) between 8 a.m. and 5 p.m.

Investments
 Investment debits and credits
6 a.m.

Sweep
 Investment
 Loan
6 a.m.

Wires
 Fed Reference Number
 Complete Wire Detail
 Real‐time updates for demand deposit accounts (DDAs) from 12 a.m. to 3 p.m.
 Hourly updates for foreign currency demand accounts (FCDAs) from 8 a.m. to 5 p.m.

Item Number: 10.

51 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Transactions Update times (Pacific Time)
Work‐in‐process
 Courier deposits
 Auto dealer drafts
 *Inclearing checks
 Early release pre‐encoded deposits
 9 a.m.
 9 a.m.
 9 a.m.
 12 p.m.

The bank provides a full range of current day standard reports and other text‐based (i.e., special) reports to meet your specific needs.
 ACH Detail
 ACH Summary
 Controlled Disbursement Detail
 Controlled Disbursement Summary
 Current Day Combination
 Current Day Detail
 Current Day Summary
 Current Day Detail New Items
 Float Adjustment and Assessment
 Lockbox Detail
 Lockbox Summary
 Wires Transfer Summary
 Lockbox Detail
 Lockbox Extended Detail
 Sweep Statement
 Return Item and Large Dollar Early Warning
The bank reports provide balance and transaction detail information for user‐entitled accounts.

Export formats include BAI2, Comma Separated, QuickBooks, Semicolon Separated, SWIFT, and Tab Separated Export (account balances) data.

The City can create and save MUFG online reports for future use. The customize feature allows each user to save standard reports with frequently selected criteria.  For ongoing convenient access to saved reports, a user can add any saved reports to their own list. Each user can also add other user‐saved reports.
 As needs change, the user can edit and remove the customized reports from the list.

Item Number: 10.

52 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information A commitment to providing leading technology and support The bank is committed to providing the highest quality experience by investing in the best possible technology and an experienced team that provides personalized service. As part of our ongoing development process A, we continuously monitor our services to meet the changing technology needs of our clients and the business environment.

Feature Benefits
Data security and privacy MUFG is an industry leader in data security, which is a top priority for the Bank.

We assess and improve security options to remain at the forefront of data security and fraud prevention strategies.

Experienced, personalized
support
While self‐service tools are available and critical to your everyday needs, we also provide dedicated service through a specialized client service team.

This gives you access to the expertise you would expect from a larger bank coupled with the personalized service of a smaller bank Monitoring trends with
active leadership
Our dedicated product management and operations team members actively participate in industry conferences, seminars, and workshops, including the Association for Financial Professionals (AFP), NACHA – The Electronic Payments Association, and The Association for Work Process Improvement (TAWPI).

Flexible features that meet the City’s specific needs
Our reporting supports your needs for monitoring balance and account information in versatile formats.

Feature Benefits
User‐friendly data selection
Timely, accurate account balance and transaction information in versatile formats enables the City to make critical decisions and capitalize on investments and loan balance paydown opportunities
Standard and customized reports are available for:
 One or more accounts
 A single day or range of days
 A certain report criteria (e.g., all credits, all debits)  Individual and/or group BAI type code(s)
Flexible report views based on
the City’s specific needs
Access reports the way you need them
 Quickview reports provide a daily status of all accounts and reports with a simple click
 Customized reports are accessible any time after you create them  Reports are available online or through data transmissions in your preferred format (e.g., BAI, XML, CSV)
Online service security and access
We maintain multiple levels of additional security for single sign‐on online access to Information Reporting and other bank services.

Item Number: 10.

53 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Moving forward with U.S. Bank
SinglePoint
SinglePoint enables the City to achieve new levels of efficiency by bringing our powerful banking services together into one easy‐to‐use website with a single point of access for all your global treasury management service needs. A fully integrated, wholly owned online suite of treasury management services, SinglePoint does not require dedicated PCs or software installation.

In one location, you can:
 View, manipulate and download images
 Transfer and manage payments
 Process and deposit collections
 Prevent fraud
 Manage employees’ system use
You initiate ACH, account transfer and wire transfer services from separate pages in SinglePoint. However, our systems are integrated, so each transaction type requires only the information unique to that type of transaction. The remaining fields are checked and populated from a common data source.

Reports can be scheduled at any time throughout the day. Reports are delivered via transmission or secure email at the specified time. Fax and email reporting options allow users to receive current and/or prior day reporting at a preset time without logging in. Certain time‐critical functions, such as positive pay approvals and positive pay decisions, can also be accessed via a web‐enabled mobile device through Mobile SinglePoint.

All the tools you need to manage your program in one place Mobile SinglePoint
Designed specifically for users who need access to cash management tools when they’re away from a computer. View:
 Key balance information on domestic and international accounts  Current day reports (e.g., ACH Summary and Detail, Wire Detail and Lockbox Summary) SinglePoint External Messaging
Enhance process efficiencies by utilizing over 200 unique messages, configured and routed to various destinations, including email addresses and SMS messages to mobile devices, ensuring key items receive attention.

SinglePoint Information Reporting
Manage your financial position with superior reporting tools. SinglePoint provides account summary, detail and transaction information. The City will benefit from:
 Simplified daily account reconcilement
 Easy funds transfers
Item Number: 10.

54 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information  Customizable searching
 Flexible standard and special reporting
 Customize reports with robust filtering
 Manage delivery of reports via email or transmission
 Current day returned item decisioning
Data retention
 Previous day data—60 calendar days
 Current day data—10 calendar days
 Additional retention periods available
System administration
Administrators can add, copy and reuse user profiles to set up new users. They can also modify user entitlements, account access and transaction limits at any time with immediate updates. Dual system administration offers added control – all changes to user access or limits require a second system administrator approval to process.

Item Number: 10.

55 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Security
SinglePoint protects account information with the most current and proven technology available, including:
 256‐bit AES encryption
 TLS 1.2
 Individual client IDs, passwords and digital signatures  Time‐based tokens required to access payment services (ACH and wire transfer)

Item Number: 10.

56 City of Desert Hot Springs RFP for Governmental Banking Services U.S. Bank Confidential Information Appendices
Our response includes the following attachments
Appendix 1:  Pro Forma Account Analysis Statement for The City of Desert Hot Springs Appendix 2:  Government Services Fee Schedule
Appendix 3:  Security and privacy programs summary
Appendix 4:  Custody financial reporting package
Appendix 5:  Understanding your Account Analysis Statement Appendix 6:  Business Accounts & Services and Transaction Banking Services Disclosure and Agreement Item Number: 10.

UNION BANK

BALANCE SUMMARY
Average Ledger Balance $15,409,241.79
Less: Average Uncollected (FLOAT) $68,615.75
Average Collected Balance $15,340,626.04
Less: Reserve Requirement (0%) $0.00
Less: Sweep Compensating Balance $0.00
Balance Available to Support Activity $15,340,626.04

ACCOUNT POSITION
Earnings Credit Rate 1.50%
Number of Days in Month 28
1st Month
Earnings Credit: $17,652.23
Less: Interest Paid on Interest Bearing Accounts $0.00
Net Earnings Allowance - This Month $17,652.23
Less: Charges for Balance Compensated Services $2,820.25 Less: One-Time Setup Fees $2,000.00
Net Earnings Allowance (1st Month) $12,831.98
Recurring Months
Earnings Credit: $17,652.23
Less: Interest Paid on Interest Bearing Accounts $0.00
Net Earnings Allowance - This Month $17,652.23
Less: Charges for Balance Compensated Services $2,820.25 Net Earnings Allowance (Recurring) $14,831.98

ACCOUNTS INCLUDED IN ANALYSIS
<Enter Accounts included in this Analysis>

OVERDRAFT / UNCOLLECTED FUNDS CHARGES
Uncollected Funds
Customer usage of uncollected funds is charged the Union Bank Reference Rate plus 4.0% per annum, computed on the average daily usage of uncollected funds for the month in question.

Overdrafts
Overdraft balances and related fees are charged the Union Bank Reference Rate plus 4.0% per annum, computed daily, with a minimum daily charge of $10.00, assessed from the time such overdraft balances are created and related fees incurred. The minimum daily charge and accrued interest are then added to the overdraft balance.

Checks or other transactions presented against insufficient funds whether paid or unpaid are assessed at $35 per item.

This Pro Forma Account Analysis is an estimate based on assumptions about the services and volumes that will be used. Every effort has been made to provide an accurate estimate, but actual usage may vary and cause the results to differ. We reserve the right to bill for services that are not included in the above estimate if the applicable services are implemented by the bank and utilized by you.

Price Menu

PROFORMA ACCOUNT ANALYSIS STATEMENT

CITY OF DESERT HOT SPRING
February 2023
1 Item Number: 10.

UNION BANK
GOVERNMENT SERVICES SCENARIO - PRICE SCHEDULE 03

CITY OF DESERT HOT SPRING
February 2023
Extended
Proposed Proposed
BILLABLE UNIT OF VOLUME Price $ Price $
CODE AFP DESCRIPTION MEASURE (A) (D) (E)=(A)*(D)

ACCOUNT ANALYSIS
AAA003 010400 ACCT MAINTENANCE - WEB $26.00/ACCOUNT 4 5.0000 20.00 SUBTOTAL 20.00
ALERTS
ALT010 011021 ALERT - ACH/DIR DEP $.00/EACH 18 0.0000 0.00 ALT020 011021 ALERT - LOW BAL $.00/EACH * 0.0000 0.00
ALT030 011021 ALERT - HIGH BAL $.00/EACH * 0.0000 0.00
ALT050 400272 ALERT - CUR BAL EOD $.00/EACH 22 0.0000 0.00 ALT060 350402 ALERT - INC WIRE $.00/EACH * 0.0000 0.00
ALT070 010209 ALERT - OD PROT $.00/EACH * 0.0000 0.00
ALT080 011021 ALERT - OD/NSF $.00/EACH * 0.0000 0.00
ALT090 011021 ALERT - LARGE DEPS $.00/EACH * 0.0000 0.00 ALT100 011021 ALERT - LARGE WITHDLS $.00/EACH * 0.0000 0.00 ALT110 999999 ALERT - SCHED BILL PAY $.00/EACH * 0.0000 0.00 ALT120 999999 ALERT - LARGE BILL PAY $.00/EACH * 0.0000 0.00 ALT130 011021 ALERT - LARGE WITHDL $.00/EACH 21 0.0000 0.00 ALT140 011021 ALERT - LARGE DEP $.00/EACH 56 0.0000 0.00 ALT150 350402 ALERT - PENDING TRANSFER $0.00 * 0.0000 0.00 SUBTOTAL 0.00

ACCOUNT RECONCILIATION
ARP002 200010 FULL RECON MONTHLY MAINT $110/ACCT/MONTH 1 40.0000 40.00 ARP006 150030 POS PAY MONTHLY MAINT $00/ACCT/MONTH 1 0.0000 0.00 ARP031 150100 CHECK PAID TRUNCATED Tier1: 1 to 5,000 252 0.0700 17.64 ARP051 200301 DAILY PAID REPORT $0.00/RPT 1 0.0000 0.00 ARP057 150322 EXCEPTION ITEMS RETURNED $12.50/ITEM 1 12.5000 12.50 ARP061 2003ZZ OUTSTANDING ONLY REPORT $10.00/RPT 1 10.0000 10.00 ARP062 20030Z OUTSTANDING CHECK REGISTR-ITEM 79 0.0000 0.00 ARP200 150030 WEB POS PAY-ACCOUNT BASE $00.00/ACCOUNT 1 0.0000 0.00 ARP235 150301 WEB POS PAY-EXCEPTIONS $1.85/EXCEPTION 1 0.2000 0.20 ARP260 200210 WEB POS PAY-MANUAL ISSUE $0.25/ISSUE 10 0.2500 2.50 ARP265 20020B WEB POS PAY-IMPORTED ISSUE $0.18/ISSUE 287 0.1500 43.05 ARP502 200306 ACCT RECON CSV RPT MTHLY MNT $20.00/ACCOUNT 1 20.0000 20.00 SUBTOTAL 145.89

TRANSPORTATION SERVICES (YOU MUST INCLUDE ONE-TIME INTERNAL COSTS) CAR002 101010 ARMORED CAR SERVICES Cost+50% 170 20.0000 20.00 SUBTOTAL 20.00

BUSINESS CHECKING
CHK010 100000 BRANCH DEPOSIT $8.00/DEPOSIT 4 8.0000 32.00 CHK011 01010B ELECTRONIC CREDIT $0.20/EACH 93 0.1200 11.16 CHK021 01010A ELECTRONIC DEBIT $0.20/EACH 31 0.1200 3.72 CHK111 010307 BANK STATEMENT WEB $5.00/EACH 4 2.5000 10.00 CHK750 000230 DEPOSIT ADMIN FEE (000's) $0.125/1000 15,409.4 0.1250 1,926.18 SUBTOTAL 1,983.06

CHECK PROCESSING
CKP138 100224 LOCAL FED DIST 12 - BRANCH DEP $0.25/ITEM 2 0.2500 0.50 CKP139 100224 OTHER FED - BRANCH DEPOSIT $0.25/ITEM 2 0.1200 0.24 CKP150 100220 UB CHECKS SERV. CTR DEPOSIT $0.20/ITEM 1 0.0500 0.05 CKP169 100228 ENCODING FEE - SERV. CTR. DEP. $0.25/ITEM 1 0.0200 0.02 SUBTOTAL 0.81

CASH VAULT SERVICES
CSH025 100100 DEPOSIT-MIXED CASH CHECK $3.00/DEPOSIT 1 1.4500 1.45 CSH028 100100 DEPOSIT - CASH OR COIN ONLY $1.50/DEPOSIT 15 1.4500 21.75 2 Item Number: 10.

UNION BANK
GOVERNMENT SERVICES SCENARIO - PRICE SCHEDULE 03

CITY OF DESERT HOT SPRING
February 2023
Extended
Proposed Proposed
BILLABLE UNIT OF VOLUME Price $ Price $
CODE AFP DESCRIPTION MEASURE (A) (D) (E)=(A)*(D)
CSH030 100114 CURRENCY DEPOSITED-UNSTRAPPED (000's) $1.30/$1000 110,725.0 0.0010 105.19 SUBTOTAL 128.39

E-LOCKBOX SERVICE
ELB101 310001 MONTHLY MAINTENANCE $250/EACH * 250.0000 0.00 ELB102 310420 PER ITEM Tier1: 1 to 25,000 * 0.1000 0.00 ELB102 310420 PER ITEM Tier2: 25,001 to 100,000 * 0.0800 0.00 ELB103 310439 BILL ACCOUNT NUMBER CORRECTION $2.50/EACH * 2.5000 0.00 ELB104 310435 E-LOCKBOX REVERSAL $2.50/EACH * 2.5000 0.00 ELB108 999999 RETURN ITEM MANUAL $25/EACH * 25.0000 0.00 ELB109 999999 TRANSMISSION $10/EACH * 10.0000 0.00
SUBTOTAL 0.00

ELECTRONIC PAYMENT AUTHORIZAT
EPA001 251056 EPA SETUP $50.00/SET UP 1 10.0000 10.00
EPA006 251050 EPA MONTHLY MAINTENANCE Tier2: 2 to 10 2 10.0000 20.00 SUBTOTAL 30.00

IMAGE CHECK
ICK221 101300 REMOTE DEPOSIT MONTHLY MAINT $90.00/MONTH 1 100.0000 100.00 ICK240 100220 REMOTE DEPOSIT ON US $0.150/ITEM 4 0.0500 0.20 ICK241 100224 REMOTE DEPOSIT PER TRANSIT $0.150/ITEM 142 0.0500 7.10 ICK291 101323 REMOTE DEPOSIT PER DEPOSIT $1.50/DEPOSIT 13 0.7500 9.75 SUBTOTAL 117.05

CHECK IMAGE
IMG401 012000 IOD MONTHLY MAINTENANCE FEE $5.00 PER MONTH 1 5.0000 5.00 SUBTOTAL 5.00

INFORMATION REPORTING
INF407 400052 WEB PRIOR DAY REPORT ACCOUNTS Tier1: 1 to 1 1 25.0000 25.00 INF407 400052 WEB PRIOR DAY REPORT ACCOUNTS Tier2: 2 to 10 3 25.0000 75.00 INF411 400272 WEB PD BAL/SUM UPDATED $0.18/ITEM UPDT 774 0.0500 38.70 INF412 400272 WEB PD TRANSACTIONS UPDATED $0.18/ITEM UPDT 467 0.0500 23.35 INF413 400275 WEB CD BAL/SUM UPDATED $0.22/ITEM UPDT 206 0.0500 10.30 INF414 400275 WEB CD TRANSACTIONS UPDATED $0.22/ITEM UPDT 124 0.0500 6.20 INF425 400055 WEB CURRENT DAY RPT ACCOUNTS Tier1: 1 to 1 1 25.0000 25.00 INF425 400055 WEB CURRENT DAY RPT ACCOUNTS Tier2: 2 to 999,999,999 3 25.0000 75.00 INF450 151351 IMAGE ITEM PRIOR DAY STMT Tier2: 21 to 50 20 0.0500 1.00 INF450 151351 IMAGE ITEM PRIOR DAY STMT Tier3: 51 to 999,999,999 30 0.1000 3.00 INF458 014101 PRIOR DAY (COST ONLY) -2 HRS $0.00/EACH 4 0.0000 0.00 SUBTOTAL 282.55

OUTSOURCE PAYABLES
OPA001 151810 PAYABLE CHECKS Tier1: 1 to 9,999 * 0.5000 0.00 OPA001 151810 PAYABLE CHECKS Tier2: 10,000 to 49,999 * 0.3500 0.00 OPA001 151810 PAYABLE CHECKS Tier3: 50,000 to 99,999 * 0.3000 0.00 OPA002 151830 OVERFLOW PAGES Tier1: 1 to 9,999 * 0.1300 0.00 OPA002 151830 OVERFLOW PAGES Tier2: 10,000 to 49,999 * 0.0900 0.00 OPA002 151830 OVERFLOW PAGES Tier3: 50,000 to 99,999 * 0.0800 0.00 OPA005 151860 OVERNIGHT HANDLING FEE Tier1: 1 to 50 * 2.7000 0.00 OPA005 151860 OVERNIGHT HANDLING FEE Tier2: 51 to 999,999,999 * 5.4000 0.00 OPA006 151860 OVERNIGHT SEND COST * 0.0000 0.00
OPA010 151850 POSTAGE FEE POSTAGE COST * 0.0000 0.00
OPA013 151813 SAME DAY CHECK SAME DAY PRINT * 0.6000 0.00 OPA015 330050 PAYEE ENROLLMENT CONVT PAPR/ELEC * 0.3500 0.00 OPA017 151820 OPA-CHECK MANUAL PULL Tier1: 1 to 100 * 2.7500 0.00 OPA017 151820 OPA-CHECK MANUAL PULL Tier2: 101 to 999,999,999 * 2.5000 0.00 3 Item Number: 10.

UNION BANK
GOVERNMENT SERVICES SCENARIO - PRICE SCHEDULE 03

CITY OF DESERT HOT SPRING
February 2023
Extended
Proposed Proposed
BILLABLE UNIT OF VOLUME Price $ Price $
CODE AFP DESCRIPTION MEASURE (A) (D) (E)=(A)*(D)
OPA028 250120 OPA-ACH/TX EACH ADDENDA LINE ACH ADENDA LNE * 0.0070 0.00 OPA030 330000 MONTHLY MAINTENANCE $200.00/PER MON * 200.0000 0.00 OPA033 151810 OPA-SAME DAY EXPEDITE Tier1: 1 to 999,999,999 * 0.3000 0.00 OPA035 330032 CHECK TO ACH/CARD SECURITY CHK TO ACH VRFY * 15.0000 0.00 OPA053 151810 OPA-OVERSIZED ENVELOPE Tier1: 1 to 999,999,999 * 1.7500 0.00 OPA055 999999 OPA-MAIL ADVICES Tier1: 1 to 1,000 * 0.1500 0.00 OPA055 999999 OPA-MAIL ADVICES Tier2: 1,001 to 2,500 * 0.1400 0.00 OPA055 999999 OPA-MAIL ADVICES Tier3: 2,501 to 5,000 * 0.1300 0.00 OPA057 151899 OPA-ONLINE PRESENTMENT ONLINE DATA * 0.2500 0.00 OPA201 999999 SPECIALTY PRINT PAGE Tier1: 1 to 20,000 * 0.2200 0.00 OPA201 999999 SPECIALTY PRINT PAGE Tier2: 20,001 to 50,000 * 0.2100 0.00 OPA208 999999 COLOR PAGES, MAIN OR ROLLOVER $.04/PAGE * 0.0400 0.00 OPA210 999999 RETURN ENVELOPES WITH MAILING $.04/EACH * 0.0400 0.00 OPA312 151830 SPEC PRINT PAGES BLACK/WHITE 0.28000/EACH * 0.2800 0.00 SUBTOTAL 0.00

DEPOSITED ITEMS RETURNED
RET470 100405 WEB RI - MONTHLY MAINTENANCE $8.00 PER MONTH 1 8.0000 8.00 SUBTOTAL 8.00

TEAM STOP PAYMENTS
TSP418 150412 WEB STOP PAYMENT RENEWAL $12.00/RENEWAL 1 5.0000 5.00 SUBTOTAL 5.00

ELECTRONIC WIRE TRANSFER
WTM442 350000 WIRE TRANSFER MONTHLY FEE/WEB $50.00/EACH 1 25.0000 25.00 SUBTOTAL 25.00

ZERO BALANCE ACCOUNTS
ZBA001 010020 CONCENTRATION ACCOUNT $35.00/EACH 1 35.0000 35.00 ZBA200 010021 MULTI-LEVEL SUBSIDIARIES Tier1: 1 to 10 1 10.0000 10.00 SUBTOTAL 45.00
MISCELLANEOUS (Please enter value for volume)
INF450 IMAGE ITEM PRIOR DAY STMT 18 0.2500 4.50
INF457 PRIOR DAY DEP ITEM QUERY 191 0.0000 0.00
SUBTOTAL 4.50
MONTHLY SERVICE TOTAL 2,820.25

SETUP AND ONE-TIME FEES
ELB100 310601 SETUP $2000/EACH 1 2,000.0000 2,000.00
OPA040 330050 OPA-VCARD SET-UP NEW IMPLEMENT * 0.0000 0.00 OPA050 999999 OPA-PAYROLL W2 SET-UP Tier1: 1 to 1 * 2,000.0000 0.00 OPA059 999999 OPA-ONLINE PAYROLL ACCESS ONLINE P ACCESS * 3,000.0000 0.00 OPA060 151880 OPA-CONVERT PAPER/ELEC SET-UP PAPER/ELEC CONV * 2,500.0000 0.00 SETUP AND ONE-TIME FEES TOTAL 2,000.00
This Pro Forma Account Analysis is an estimate based on assumptions about the services and volumes that will be used. Every effort has been made to provide an accurate estimate, but actual usage may vary and cause the results to differ. We reserve the right to bill for services that are not included in the above estimate if the applicable services are implemented by the bank and utilized by you. 4 Item Number: 10.

Fee Schedule
Government
Services
EFFECTIVE JANUARY 1, 2022
Item Number: 10.

Look for these convenient online services.

Many products and services are available online through the Financial Center. Conducting your transactions online can help provide convenience, cost savings, and efficiencies for your business. With a single sign-on through one point of entry, you can collect or disburse funds; obtain account information; view paid checks, deposit tickets, and statements; initiate wire transfers; and more.

Automated Clearing House (ACH)..................................10–13 Cash Vault Reporting ................................................................... 6 Commercial Deposit Supplies .................................................. 3 Deposited Items Returned.......................................................... 4 Image on Demand......................................................................... 8 Information Reporting.........................................................14–15 Lockbox....................................................................................16–20 Online Statements......................................................................... 8 Positive Pay .............................................................................24–25 Remote Deposit.................................................................... 27–28 Stop Payments.........................................................................9, 27 Tax Payment with InstaTax®
.......................................................28 Trade Services ...................................................................... 33–35 Wire Transfers........................................................................ 30–32 See our Business Accounts & Services and Transaction Banking Services Disclosure and Agreement for additional details of terms and conditions governing your accounts and services.

All pricing subject to change without notice, except as otherwise provided by applicable law. Not all fees and charges are eligible for offset through your earnings allowance. These ineligible fees and charges will be directly charged to your account.

Item Number: 10.

TABLE OF CONTENTS
GENERAL SERVICES................................................................... 1 Basic Account Services............................................................... 1 Check Processing Services........................................................ 3 Commercial Cash Services
(Centralized Cash Vaults) ......................................................... 5 Contractor Retention Funds Service....................................... 6 Corporate Trust Services ............................................................ 6 Custody Services........................................................................... 7 Foreign Exchange Services........................................................ 7 Government Customer Service................................................ 7 Training and Implementation Services ................................. 9 Transportation Services .............................................................. 9 Zero Balance Account (ZBA) Service...................................... 9 TRANSACTION BANKING SERVICES................................10 ACH Origination Services .........................................................10 ACH Fraud Deterrent Services ................................................11 E-Lockbox Service.......................................................................12 Controlled Disbursement Service..........................................12 Electronic Data Interchange (EDI) Services ........................13 Information Reporting Service................................................14 International Request for Transfer Service..........................15 Liquidity Center Service............................................................16 Lockbox Services ........................................................................16 Online Banking Services ...........................................................20 Integrated Payables Services ..................................................21 Invoice To Pay ...............................................................................23 Positive Pay Services ..................................................................24 Property Tax Payments Via
Electronic Funds Transfer Services.....................................25 Reconcilement Services ...........................................................26 Remote Deposit Services .........................................................27 Sweep Service..............................................................................28 Tax Payment with InstaTax Service........................................28 Total Biller Solution Service......................................................28 Wire Transfer Services................................................................30 TRADE SERVICES.......................................................................33 Collections—Incoming and Outgoing.................................33 Export Letters of Credit.............................................................33 Import Letters of Credit.............................................................34 Standby Letters of Credit..........................................................34 Other Trade Services..................................................................35 The lowest-priced option for each service or
channel is shaded gray for your convenience.

Item Number: 10.

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GENERAL SERVICES

BASIC ACCOUNT SERVICES
Account Analysis
Monthly Maintenance and
Statement Delivery Web Mail Both
per account $ 26.00 54.00 80.00
Statements (822 Format)
Monthly Maintenance...........................per relationship $ 30.00 Transmission Output..................................................each $ 20.00 Secure Message Setup....................................................... $ 100.00 Secure Message............................................ per diskette $ 30.00 Account Analysis Earnings Allowance
The rate is set each month based on current market conditions and is subject to change without prior notice. Charges for some services are offset by collected balances, and some may be subject to direct charges.

Account Analysis Late Fee
Earnings deficits remaining unpaid by the date specified on the Account Analysis statement will be assessed a late fee (compounded monthly). Deficit and late assessment amounts are subject to direct debit to the account.

Late Fee.....................................................................per month 4% Deposit Administration Fee
The Bank charges its Customers a Deposit Administration Fee, which represents various administrative expenses incurred by the Bank in providing depository services, including, without limitation, charges by the Bank to (a) recoup deposit insurance assessment costs assessed on the Bank* and (b) recoup other charges, as may be applicable from time to time, assessed on the Bank as may be provided by law, regulation, rule, or requirements of regulatory or supervisory bodies.

Additionally, due to market interest rate conditions, the Deposit Administration Fee may also include a negative rate payment.

The Deposit Administration Fee is assessed monthly at a rate per $1,000 of average monthly adjusted ledger balance. The Deposit Administration Fee is variable and is subject to change by the Bank at any time without notice.
*Although the Federal Deposit Insurance Corporation (FDIC) charges insured depository institutions risk-based assessments to cover the costs of providing deposit insurance under the Federal Deposit Insurance Act, the FDIC does not charge a bank's depositors for deposit insurance, and the FDIC does not require a bank to pass the cost of deposit insurance on to its depositors. Nevertheless, the FDIC does not prohibit a bank from charging fees to recoup deposit insurance
assessment costs, so long as in doing so the Bank does not (a) reveal confidential supervisory information, (b) imply the FDIC is charging the fee, or (c) otherwise mislead or misinform customers regarding the nature of the fee or the bank’s deposit insurance assessment.

Item Number: 10.

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Bank Account Services
Bank Statements Web Mail Both
Paper Statements
(Without Check Images) each $ 5.00 35.00 40.00
Paper Statements (With Check Images)—Mailed
Front Image.................................................................each $ 27.00 Front and Back Images...........................................each $ 32.00 Analyzed Business Interest Checking—
Hybrid Bank Statements Web Mail Both
Paper Statements
(Without Check Images) each $ 25.00 40.00 50.00
Paper Statements (With Check Images)—Mailed
Front Image.................................................................each $ 27.00 Front and Back Images...........................................each $ 32.00 CD of Research-Related Check Images
CD.....................................................................................each $ 50.00 Electronic Credit/Debit ............................................each $ .20 ATM Deposit......................................................per deposit $ 2.00 Branch/Mail Deposits ...................................per deposit $ 8.00 Night Drop Deposits......................................per deposit $ 16.00 Checks Paid Against Account Per Month.........each $ .20 Vendor Services.........................................consult account manager Vendor Bill Processing Fee .........................per invoice $ 7.50 Foreign Currency Demand Account (FCDA)
Monthly Maintenance................................. per account $ 55.00 Third-Party Control Account
Setup ................................................................ per account $ 700.00 Monthly Maintenance................................. per account $ 100.00 Non-Standard Bank Agreement............................each $ 700.00 Excess Activity Charge
For each limited transaction in excess of six each monthly statement cycle (money market accounts) or calendar month (savings accounts and money market accounts where the
statement cycle date was requested to be on a specific day); includes telephone, online, and overdraft transfers. This fee will be charged immediately regardless of account balance.

Excess Activity Charge ........................................................$ 15.00 (maximum 5 Excess Activity Charges assessed per
statement period/calendar month)
Checks/Deposit Slips Printed/Barcode Labels
.........................................................................consult account manager Deposit Receipt Mailed.............................................each $ 2.00 Nonsufficient Available or Uncollected Funds
(NSF/UCF)
Nonsufficient Available Funds (NSF) Item Charges
Checks or other transactions presented against nonsufficient available funds, whether paid or unpaid:

Nonsufficient Funds............................................ per item $ 35.00 Daily Maximum.............................................................................10 items Item Number: 10.

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Overdraft Balance Charges
Overdraft balances and related fees are charged the Union Bank® Reference Rate plus 4.0% per annum, computed daily, with a minimum daily charge of $10.00, assessed from the time the overdraft balances are created, and related fees are incurred.

The minimum daily charge and accrued interest are then added to the overdraft balance.

Uncollected Funds (UCF)
Customer usage of UCF is charged the Union Bank Reference Rate plus 4.0% per annum ($10.00 minimum), computed on
the average daily usage of uncollected funds for the month in question.

Other Services
Check Cashing....................................................... per item $ 2.75 Clerical Work (Minimum $50).......................... per hour $ 50.00 Commercial Deposit Supplies... refer to unionbank.com/supply Foreign Drafts Purchase...........................................each $ 45.00 Money Order Purchase.............................................each $ 5.00 Official Check Purchase (Cashier’s Check).......each $ 7.00 Special Handling and Special
Processing Options................................consult account manager

CHECK PROCESSING SERVICES
Our Check Processing services provide flexible options and convenience for improved cash flow and easier transaction reporting.

The prices for all of the following customer service options are in addition to the basic returned item fee.

Check Processing
Check-Only Deposits
Service Center—
Un-Encoded/Pre-Encoded ......................per deposit $ 3.00 ATM .....................................................................per deposit $ 2.00 Courier Deposit ..............................................per deposit $ 3.00 Checks Deposited Branch ATM
Service
Center
Union Bank Items per item $ .20 .18 .20
Local Clearing House per item $ .25 .20 .25
Local Fed, District 12 per item $ .25 .20 .25
Other Fed per item $ .25 .20 .25
Canadian Checks in USD per item $ 3.00 3.00 4.50
Encoding Fee per item $ N/A N/A .25
Subventions (Customer)............................................each $ 5.00 Subventions (Non-Customer)..................................each $ 35.00 Pre-Sort/Co-Endorsed Service
Per Deposit—Equity Participant
................................................................per bank, per day $ 9.50 Per Deposit—Regular Participant
................................................................per bank, per day $ 25.00 Item Number: 10.

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Exception Processing
Reject Processing
Check Processing Rejects > .7% .................... per item $ .65 Non-Machinable Deposit............................per deposit $ 2.00 Non-Machinable Items....................................... per item $ .60 Reject Reporting
Daily Faxed Report.........................per month/per acct $ 75.00 Daily Reject Reporting Mail.........per month/per acct $ 125.00 Monthly Faxed Report..................per month/per acct $ 60.00 Monthly Mailed Report.................per month/per acct $ 110.00 Deposit Corrections
Deposit Correction Notice................................ per item $ 5.00 Documentation for Deposit Corrections
Less Than $50.........................................per document $ 8.00 Deposit Correction Reporting—Fax
Daily Reconcilement.....................per month/per acct $ 75.00 Daily Reconcilement Summary
............................................................per month/per acct $ 25.00 Daily Location Detail......................per month/per acct $ 50.00 Adjustments
Pre-Encoded Errors ............................... per adjustment $ 3.50 Pre-Sort Encoding Errors..................... per adjustment $ 18.00 Check Sent for Collection ..................................................$ 30.00 Deposited Items Returned
Deposited Items Returned
Returned Item—Charge Back to Account.. per item $ 12.00 Re-Cleared Item—Re-Deposited ................... per item $ 6.00 Charge Back and Re-Clear Reporting
Copy/Image or Deposited Items Returned on the Web
Items Made Available for Inquiry.........................each $ 1.50 Items Made Available for Decisioning...............each $ 2.50 Monthly Maintenance...........................................................$ 8.00 Daily Data Transmission.....................per transmission $ 20.00 .................................................................................. per item $ .25 Duplicate Advice .................................................. per item $ 10.50 Returned Item Large Dollar Early
Warning Report Web
Information
Reporting*
Warnings Reported per item $ 5.00 7.00
*Additional fees may apply. Please see Information Reporting Service.

Custom Instruction Options
Alternate Account Number...................... per account $ 5.00 Alternate Mailing Address .................................................. $ FREE Data Entry for Custom Fields ................. per keystroke $ .01 Disposition Change............................................. per item $ 7.50 Endorsement Guaranteed................................ per item $ 5.00 Alternate Bank of First Deposit
Monthly Maintenance................................. per account $ 35.00 Requalified Returned Item................................ per item $ 7.00 State of California—Any Authorized Vendor WIC Reporting Data File Transmission (Maximum $275)............each $ 25.00 WIC Item Reported.....................................................each $ .01 Deposited Foreign Checks Returned.................each $ 5.00 Item Number: 10.

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Endpoint Analysis Reports
These reports provide deposit profile information based on an individual deposit or a daily or cycle summary. Each report contains the item count and dollar value associated with each endpoint, indicates the percentage breakdown of item and dollar amount by Federal Reserve District, and provides the receipt time by deposit and availability assigned by item.

Float Analysis Relationship Account Location
Individual Deposits
per report $ N/A 100.00 N/A
Single Day Report
per report $ 300.00 200.00 N/A
Multiple Day Report
(Up to One (1) Month)
per report $ 500.00 300.00 150.00
File Output per report $ 500.00 500.00 500.00

COMMERCIAL CASH SERVICES
(CENTRALIZED CASH VAULTS)
Union Bank offers Commercial Cash services with state-ofthe-art, high-speed currency verification systems for your cash deposits and cash order needs. Commercial cash vaults are located in major cities throughout the United States.

Deposit Services
Cash Vault Deposits
Cash and Coin Only ......................................per deposit $ 1.50 Mixed Deposits (Cash and Checks Combined)
............................................................................per deposit $ 3.00 Envelope Deposits......................................per envelope $ 1.75 Currency Deposited (Per $1,000)................................... $ 1.30 Coin Deposited
Standard Bag/Bulk Coin (FRB Specifications) ..each $ 2.75 Non-Standard......................................................... per bag $ 4.00 Rolled Coin in Bag Surcharge........................... per bag $ 5.00 Deposit Adjustments .................................................each $ 5.00 SmartSafe Services
SmartSafe Advance Credit
................................................per location/daily deposit $ 1.50 SmartSafe Monthly Maintenance
............................................................per location/month $ 75.00 Cash Order Services
Cash Vault Orders
Prearranged Standing Orders ................................each $ 3.00 Batch Cash Orders .....................................................each $ 3.00 Touchtone Cash Orders ...........................................each $ 3.25 Cash Orders—Web....................................................each $ 2.50 Telephone/Customer Service Associate Orders
.........................................................................................each $ 12.00 Late Orders (After 11:00 a.m. PT)..........................each $ 14.50 Emergency Orders .....................................................each $ 50.00 Currency Orders (Per $1,000) .......................................... $ 1.10 New Currency (When Available, Per $1,000)............... $ 1.20 Item Number: 10.

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Coin Orders
Per Box...................................................................................... $ 5.00 Per Half-Box ($.05, $.25, and $1)..................................... $ 2.50 Per Roll (Individual Rolls)..................................................... $ .15 Per Bag (Bulk).......................................................................... $ 2.00 Changed/Cancelled Cash Orders ................................. $ 8.00 Daily Cash Orders Report.............................per month $ 100.00 Cash Vault Reporting....................per location/month $ 5.00 Partial Strap Surcharge ....................................per strap $ 2.00 Branch Office
Cash Services—Night Depository/ATM/Branch
Cash Deposit Verified (Per $1,000) ................................ $ 1.40 Coin Deposited
Standard Bags (FRB Specifications)............ per bag $ 10.00 Loose Coin Bagged ........................................... per bag $ 7.00 Cash Orders (Per $1,000) ................................................. $ 1.30 Coin Orders...............................................................per roll $ .25 ....................................................................................per box $ 5.00

CONTRACTOR RETENTION FUNDS SERVICE
Union Bank contractor retention escrow focuses exclusively on helping contractors keep their retention funds working for them. Retention funds can be a source of revenue for your business.

Setup Interest-Earning Retention Accounts
(one time)................................................................................. $ FREE Setup Pledged Securities Escrow
and Standby Letters of Credit
(one time)........................................................ per account $ 1,250.00 Disbursement Fee for Pledged Securities
Escrow and Standby Letters of Credit
Accounts Only............................................................each $ 125.00

CORPORATE TRUST SERVICES
Acceptance Fee .........................................consult account manager Annual Administration ............................consult account manager Service to Holders
Original Issuance of Bonds Transfers
Between Holders ................................................................ $ 5.00 Preparation and Reporting Payment to Holders on
Form 1099 and Form 599 (Minimum $150) ............. $ 1.50 Calls/Redemptions (Minimum $350)............................. $ 5.00 Transaction Charges
Investment Agreements (Purchase and Setup) ........ $ 500.00 Dissemination Agent (If Applicable)............per event $ 225.00 Disbursement......................................................................... $ 35.00 Investment............................................................................... $ 60.00 Check or Wire Transfer........................................................ $ 35.00 Charges for out-of-pocket expenses, such as stationery, postage, insurance, telecommunication, and publication of notices and fees of such outside professionals as attorneys, accountants, or other agents will be billed at 6% of the annual administration fee.

Item Number: 10.

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CUSTODY SERVICES
Union Bank provides a comprehensive range of custody and securities lending services for public and nonprofit agencies, including asset safekeeping, trade settlement, principal and income collection, daily cash management, monthly cash and asset statements, and Internet account access. Depending on unique portfolio holdings, transaction activities, and reporting requirements, customized fee schedules will typically include the following components:

Monthly Administration Fees
Transactions................................................consult account manager Holdings .......................................................consult account manager Disbursements...........................................consult account manager Pay Downs ...................................................consult account manager Minimum Annual Aggregated Fee......consult account manager

FOREIGN EXCHANGE SERVICES
Improve international trade profitability using Union Bank for competitively priced Foreign Exchange services—from basic spot purchases to hedging strategies, and from wire payment services to foreign currency demand accounts and foreign currency time deposits.

In addition to wire fees,* the Bank charges an exchange rate markup, subject to transaction size, market conditions, and other factors. A monthly account fee is charged for foreign currency demand accounts. For additional information,
contact Investment Banking and Markets Foreign Exchange at 800-325-9422.
*Please see Wire Transfer Services.

GOVERNMENT CUSTOMER SERVICE
Receive fast, efficient service from the convenience of your computer or telephone. Government customer service offers online and touchtone access, 24 hours a day, 7 days a week.

Customer service associates are available between 7:00 a.m. and 6:00 p.m. PT, Monday through Friday, excluding federal holidays.

Information and Retrieval Services
Inquiries provide the ledger balance and status of checks, deposits, and account activity. Retrieval provides images and copies of checks, deposit slips, deposited items, and statements.

These services are also available through the Information Reporting Service.

Inquiries
TouchtoneCust.

Service
Inquiry each $ 10.00 35.00
View Image of Check
and Deposit Slip
Touchtone*Mail
or Fax
Images each $ 10.00 35.00
*Not available for deposit slips.

Item Number: 10.

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View Image of Deposited Items
(Non-Union Bank Item)
Online
Statements
Mail or
Fax
Less Than 30 Days
per item $ .50 35.00
31–60 Days per item $ .75 35.00
61–90 Days per item $ 1.00 35.00
91–120 Days per item $ 1.25 35.00
121+ Days per item $ 2.00 35.00
Image on Demand
Web Image Inquiry for Checks, Deposit Slips, and Deposited Items
Monthly Maintenance...........................................................$ 5.00 Per-Image Fee
Images 1–100.....................................................per image $ .05 Images 101+.......................................................per image $ .25 Image Transmission
Monthly Maintenance...........................................................$ 20.00 Per Transmission .........................................................each $ 10.00 Per Item...........................................................................each $ .05 Copy of Statement*
Touchtone Mail Fax
Previous Month(s) per copy $ 5.00 35.00 N/A
per page $ N/A N/A 35.00
Snapshot per copy $ 12.00 35.00 N/A
per page $ N/A N/A 35.00
*Statement copies do not include checks or images of checks.

Deposit Reconstruction—Per Occurrence
Customer Service Associate
(Minimum $50) ...................................................per hour $ 50.00 Internal Bank Activity Web
Touchtone
Branch/
Direct
Access
Book Transfer per transfer $ 5.00 N/A N/A
Account Transfer
per transfer $ 2.50 5.00 6.00
Mailed Confirmation of Transfer
each $ N/A 2.00 5.00
Miscellaneous Services—Customer Service Associate
Non-Customer Check Cashing Fee ....................each $ 10.00 Endorsement Verification............................ per inquiry $ 15.00 Account Notifications ..........................................................$ FREE Transmission Notifications.................................................$ FREE Wire Transfer Research................................. per inquiry $ 6.00 Standard Bank Confirmations ...............................each $ 15.00 Miscellaneous Special Handling
(Minimum $50)......................................................per hour $ 50.00 Legal Processing Fee.......................................... per item $ 50.00 LAIF Activity
LAIF (Customer)...........................................................each $ 20.00 LAIF (Non-Customer).................................................each $ 25.00 Research Services
Research (Minimum $50)..................................per hour $ 50.00 Item Number: 10.

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Stop Payments* Web
TouchtoneCust.

Service
Stop Payment each $ 15.00 17.00 42.00
Automatic 6-Month Renewal each $ 12.00 12.00 12.00
Range Stop each $ 15.00 N/A 26.00
*Stop payment orders for bank accounts and Full and Partial Reconcilement plans.

Official Check (Cashier’s Check)...........................each $ 15.00 Money Orders...............................................................each $ 30.00

TRAINING AND IMPLEMENTATION SERVICES
Union Bank offers convenient and cost-effective Web-based training sessions several times per week for many of our products. Telephone and on-site training are also available.

Web-Based Training............................................per hour $ FREE Telephone Training (Minimum $25)
...................................................per 30-minute increment $ 25.00 On-Site Training (Including Travel Time) ......per hour $ 100.00

TRANSPORTATION SERVICES
Our Transportation Services Group coordinates the safe, convenient, and efficient transportation of banking materials between Union Bank and its customers using armored car
and courier services. Armored car and courier services are the direct agents of the customer; however, Union Bank will recommend the service that best satisfies customer needs and requirements. Negotiable items (currency, coin, bearer bonds, etc.) are transported in dual custody by armored cars, while courier services accommodate checks, bookkeeping material, and other non-negotiable items.

Armored Car and/or Courier Services..........................cost + 50%

ZERO BALANCE ACCOUNT (ZBA) SERVICE
The Zero Balance Account (ZBA) service provides consolidation of funds within Union Bank into one concentration account in order to reduce borrowing, maximize cash control, and reduce the costs of multiple account transfers. Account balances are automatically offset on a daily basis from the concentration account, thereby maintaining a constant balance of zero.

Monthly Maintenance
Concentration Account...................................................... $ 35.00 Accounts 1–10.............................................................each $ 25.00 Accounts 11+ ..............................................................each $ 15.00 Item Number: 10.

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TRANSACTION BANKING SERVICES

ACH ORIGINATION SERVICES
ACH Origination services provide a variety of payment
services that electronically make and collect payments.

Funds disbursement facilitates direct deposit and vendor payments. Funds collections, such as loan payments, dues, and contributions, can be made using a variety of electronic payment options, such as recurring payments, Web- or
telephone-initiated payments, and business payments with remittance information. ACH Origination services also enable collection of truncated checks.

Web Delivery
Provides complete ACH file formatting, database management, and transmission capabilities.

Setup (one time)............................................... per service $ 200.00 Monthly Maintenance
Per Account ............................................................................ $ 100.00 Transaction Fees (Debit and/or Credit)
Items 1–100 ............................................................................ $ FREE Items 101+ ....................................................................each $ .25 Same Day ACH Origination Transaction Fees
(Debit and/or Credit)..................................................each $ 1.00 Internet Batch Release (Maximum $70) .............each $ 7.00 Direct Send and Vendor Delivery
Customers can automate disbursements and collections
by using ACH to electronically originate direct deposits and payments.

Setup (one time).................................................. per setup $ 300.00 Monthly Maintenance.......................................................... $ 125.00 Transaction Fees (Debit and/or Credit)
All Volume up to 500 Transactions .......................each $ .13 All Volume from 501 to 5,000 Transactions ......each $ .12 All Volume from 5,001 to 10,000
Transactions ...............................................................each $ .11 All Volume Greater Than 10,000
Transactions ...............................................................each $ .10 Same Day ACH Origination Transaction Fees
(Debit and/or Credit)
All Volume up to 500 Transactions .......................each $ .75 All Volume from 501 to 5,000 Transactions ......each $ .70 All Volume from 5,001 to 10,000
Transactions ...............................................................each $ .65 All Volume Greater Than 10,000
Transactions ...............................................................each $ .60 Transmissions (Maximum $220) ............................each $ 20.00 Vendor (ADP and/or Ceridian)............................... each $ 10.00 ACH Standard Charges
ACH Suspended File ..................................................each $ 75.00 ACH Over the Limit....................................per batch/file $ 50.00 Addenda Records........................................................each $ .05 Additional Testing ..................................................per test $ 100.00 Composite File...................................................per month $ 20.00 Item Number: 10.

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Dishonored/Disputed Entries ................................each $ 15.00 Manual Maintenance .................................. per account $ 75.00 NACHA Rule Book .......................................................each $ 25.00 Notification of Change/Return
Web/
Transmission* Fax Mail
per item $ 7.00 10.00 20.00
*Transmission fees apply.

Unauthorized ACH Return.......................................each $ 10.00 Redistribution................................................................each $ .75 Rejects/Reversals/Deletions..............per item/batch $ 35.00 Tracers..............................................................................each $ 25.00 Optional Output Reports ..............................per month $ 125.00 .................................................................................... per item $ .15 ACH Acknowledgment Report
(Via Email) ......................................................................each $ 7.00 ACH File Transmission
(Maximum $250).........................................................each $ 25.00 Custom Reports/Programming
(Minimum $150)...................................................per hour $ 150.00 Automatic 2-Day Account Prefunding....per month $ 25.00 Automatic 2-Day Account Prefunding NSF
................................................................................per month $ 50.00 Manual Account Prefunding..................per batch/file $ 125.00 Fines .............................................................................................cost + 35% Research (Minimum $50) ...................................per hour $ 50.00 ACH International
Credit (North America)..............................................each $ 5.00 Return/Notification of Change (North America)
.........................................................................................each $ 10.00 Credit (Europe).............................................................each $ 5.00 Return/Notification of Change (Europe).............each $ 10.00 Training and Implementation Services ........................ see page 9

ACH FRAUD DETERRENT SERVICES
ACH Fraud Deterrent services facilitate the secure receipt of payments and remittance data while protecting your accounts.

ACH Blocked Account Monthly Maintenance
First Account ...........................................................................$ 30.00 Accounts 2+..................................................................each $ 10.00 ACH Debits and Credits..................................... per item $ .20 Electronic Payment Authorization
Our Electronic Payment Authorization service allows you to restrict incoming ACH activity, which safeguards your accounts against the posting of unauthorized ACH transactions.

Setup (one time)............................................. per account $ 50.00 Monthly Maintenance
First Account .......................................................................... $ 30.00 Accounts 2–10.............................................................each $ 20.00 Accounts 11+...............................................................each $ 15.00 Manual Maintenance .................................. per account $ 75.00 Trading Partner Setup (Account Filters)
Partner and Instruction .............................................each $ 15.00 Change to Existing Authorization
(Purge, Revoke, Reset)...............................................each $ 5.00 Item Number: 10.

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Tracers..............................................................................each $ 20.00 Reporting and Decisioning..........................per month $ 10.00 Training and Implementation Services ........................ see page 9 Government Electronic Payments
Setup (one time)...................................................per setup $ 200.00 Monthly Maintenance................................. per account $ 125.00 Transaction Fees (Debit and/or Credit)......... per item $ .15 Universal Payment Identification Code (UPIC)
Universal Payment Identification Codes (UPICs) are permanent and secure bank account identifiers that allow companies to receive electronic credit payments without divulging sensitive bank information. UPICs enable you to openly share your account information (e.g., print it on your invoices) to promote the receipt of electronic payments. Debits initiated with UPICs are blocked, reducing the risk of unauthorized debits to your accounts.

Setup (one time)...................................................per setup $ 25.00 Monthly Maintenance................................. per account $ 15.00

E-LOCKBOX SERVICE
Our E-Lockbox service expedites the receipt and reporting of payments from electronic bill payment services such as online banking, and consumer payments originated online. The biller electronically receives a concentrated lump-sum credit to a designated checking account. Remittance detail is transmitted in standard or custom format to be uploaded to the biller’s accounts receivable system.

Setup (one time)...................................................per setup $ 2,000.00 Custom Programming (Optional)—
Minimum $150......................................................per hour $ 150.00 Standard Monthly Maintenance............ per account $ 250.00 Custom Validation Monthly
Maintenance................................................. per account $ 400.00 Decisioning Monthly Maintenance ...... per account $ 550.00 Transmissions............................................................per file $ 10.00 Per Items 1–25,000....................................................each $ .10 Per Items 25,001–100,000......................................each $ .08 Per Items 100,001–500,000 ...................................each $ .06 Per Items 500,001+....................................................each $ .05 Online Portal Reversals.............................................each $ 2.50 Bill Account Number Correction..........................each $ 2.50 Remake of Transmission...........................................each $ 20.00 Manual Reversal Fax............................................ per item $ 25.00 Research (Minimum $50) ...................................per hour $ 50.00 Training and Implementation Services ........................ see page 9

CONTROLLED DISBURSEMENT SERVICE
The Controlled Disbursement service provides early-morning dollar totals of checks presented for payment at the disbursing bank. Daily presentments are funded from your Union Bank accounts. The service provides maximum control over daily disbursements and eliminates the uncertainty of when checks will be presented for payment.

Item Number: 10.

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Monthly Maintenance
1 Account ................................................................................ $ 225.00 2 Accounts ....................................................................each $ 150.00 3 Accounts ....................................................................each $ 125.00 4 Accounts ....................................................................each $ 100.00 5–9 Accounts ...............................................................each $ 85.00 10+ Accounts...............................................................each $ 75.00 Zero Balance Accounts....................................................... $ FREE Paid Checks
Items 1–5,000 ..............................................................each $ .195 Items 5,001–10,000...................................................each $ .185 Items 10,001+..............................................................each $ .175 Check Verification—Missing Signatures
.................................................................................per check $ 50.00 Check Processing Rejects > 2%..................... per item $ .75 Returned Items ...................................................per check $ 12.50 Copy/Image Services
Web Image Inquiry/Copy of Checks
Monthly Maintenance .............................. per account $ FREE Fax of Non-Check Items.................................... per item $ 12.00 CD.......................................................................................each $ 70.00 ...............................................................................per image $ .075 Reproduced CD...........................................................each $ 35.00 Fees supersede Analyzed Checking Account and Account
Reconcilement per-item charges.

Activity Notification Using Information Reporting Service* *Additional fees may apply. Please see Information Reporting Service.

Training and Implementation Services ........................ see page 9

ELECTRONIC DATA INTERCHANGE
(EDI) SERVICES
EDI services include Origination and Receipt capabilities. The Consolidated file service supports the origination and receipt of multiple transaction types with or without remittance detail.

This is accomplished using mutually agreed upon formats, communications, and data security methods.

Origination
Setup
Basic........................................................................................ $ 500.00 Medium.................................................................................. $ 2,000.00 Complex ................................................................................ $ 5,000.00 Monthly Maintenance..................................... per profile $ 150.00 Transactions..................................................................each $ .15 Addendum
Addenda 1–2,500.....................................................each $ .10 Addenda 2,501–7,500............................................each $ .05 Addenda 7,501+.......................................................each $ .04 Balancing ...................................................per transaction $ .01 RDFI Account Validation.......................per transaction $ .01 ODFI Account Validation......................per transaction $ .01 Transmissions (Maximum $220 Per Month) ......each $ 10.00 Transmission Remake................................................each $ 20.00 Custom Programming (Minimum $150)......per hour $ 150.00 Return—Transmission (Maximum $220 )...........each $ 20.00 Transaction Limit Check...........................................each $ .10 Batch Limit Check.......................................................each $ .10 Item Number: 10.

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Receipt
Setup
Basic.....................................................................per setup $ 500.00 Medium...............................................................per setup $ 2,000.00 Complex .............................................................per setup $ 5,000.00 Monthly Maintenance..................................... per profile $ 100.00 Transactions
Transactions – Online Report 1–1,500..............each $ .70 Transactions – Online Report 1,501+ ................each $ .50 Transactions – Electronic File 1–5,000..............each $ .20 Transactions – Electronic File 5,001+................each $ .12 Addendum
Addendum – Online Report..................................each $ .12 Addendum – Electronic File 1–5,000................each $ .10 Addendum – Electronic File 5,001+...................each $ .07 Transmissions (Maximum $220 per month)......each $ 10.00 Custom Programming (Minimum $150)......per hour $ 150.00 Format Translation Services
Setup
Basic............................................................... per account $ 500.00 Medium......................................................... per account $ 2,000.00 Complex ....................................................... per account $ 5,000.00 Monthly Maintenance...................per translation map $ 100.00 Training and Implementation Services ........................ see page 9

INFORMATION REPORTING SERVICE
Our Information Reporting service is designed to assist you in the management of cash by providing information on activity posted to accounts at Union Bank and on accounts maintained at other institutions. Consolidated reports provide details of transaction activity across all bank accounts, enabling you to monitor your overall cash position.

Previous Day Reporting
Includes Positive Pay transactions in Summary/Detail, Controlled Disbursement posted transactions, and incoming domestic and international data exchange transactions.

Balance Summary/Detail Reports Web
(Includes U.S. Dollar and Foreign Currency Accounts)
First Account .....................................................per month $ 90.00 Additional Accounts...................................................each $ 80.00 Transaction Charge...........................per item reported $ .18 Consolidation Account..................................per month $ 100.00 Automated Report of Deposit
Per Month........................................................ per account $ 60.00 Transaction Charge.................... per deposit reported $ .22 Consolidated Receivables Report............per month $ 50.00 EDI Receipt Report...........................................per month $ 60.00 Entry Collection Details (ACH)....................per month $ 100.00 Transaction Charge.................................per detail item $ .15 Sweep Account Report..................................per month $ 20.00 Intra-Day Reporting
Includes Controlled Disbursement transactions in Summary/ Detail, Float Adjustments, and Same Day Positive Pay Exceptions.

Consolidated Summary/Detail Reports Web
(Includes U.S. Dollar and Foreign Currency Accounts)
First Account .....................................................per month $ 75.00 Additional Accounts...................................................each $ 65.00 Item Number: 10.

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Transaction Charge...........................per item reported $ .22 Consolidated Payables Report...................per month $ 50.00 Wholesale Lockbox Detail Reports
First Account .....................................................per month $ 65.00 Additional Accounts...................................................each $ 45.00 Transaction Charge.......................................per deposit $ .20 Returned Item Large Dollar Early Warning Report
................................................................................per month $ 20.00 Data Exchange—Outgoing Balance Reporting
Domestic Monthly Maintenance ........... per account $ 120.00 Domestic Transaction Charge......per item reported $ .30 SWIFT940 Monthly Maintenance.......... per account $ 120.00 ..........................................................................per line item $ .50 SWIFT942 Monthly Maintenance.......... per account $ 120.00 ..........................................................................per line item $ .50 SWIFT950 Monthly Maintenance.......... per account $ 120.00 ..........................................................................per line item $ .50 SWIFT FCDA 940/950.................................. per account $ 200.00 View Image of Check or Deposit Slip up to 120 Days
Images 1–20 .................................................................each $ .05 Images 21–50 ..............................................................each $ .10 Images 51+ ...................................................................each $ .25 Transmissions................................................. per account $ 50.00 .......................................................................................per file $ 10.00 .................................................................................... per item $ .23 API ....................................................................... per account $ 50.00 ...........................................................................per call 1–50 $ .10 ......................................................................per call 51–200 $ .005 ..........................................................per call 201–999,999 $ .0025 .................................................................................... per item $ .23 Research/Handling (Minimum $50) ..............per hour $ 50.00 Custom Programming (Minimum $200)......per hour $ 200.00 Training and Implementation Services ........................ see page 9

INTERNATIONAL REQUEST FOR TRANSFER SERVICE
Initiate transfer requests for your accounts overseas through the Union Bank Financial Center. Using our Wire and Internal Transfer application, send transfer instructions to your foreign bank and conveniently repatriate funds, make local and/or thirdparty payments, or concentrate funds from multiple accounts.

Setup Fees—One–Time Only
Setup (Existing Partner Bank) ............................................$ 50.00 Setup (New Partner Bank)...................................................$ 500.00 Maintenance Fee
Monthly Maintenance...........................................................$ 25.00 Payment Fees
Local Currency—Payment.......................................each $ 7.50 Cross Border Currency—Payment.......................each $ 10.00 Local Currency—Transmission File..................per file $ 7.50 Cross Border Currency—Transmission File...per file $ 10.00 Cross Border Currency—SCORE File ............. .per file $ 10.00 Per File (via Transmission) ....................................per file $ 10.00 Per File (SCORE) ......................................................per file $ 10.00 Returns/Rejects/Repairs
MT101 Returned—Union Bank Fee......................each $ 50.00 MT101 Returned—Foreign Bank Fee...................each $ 5.00 Item Number: 10.

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MT101 Rejected—Union Bank Fee.......................each $ 10.00 MT101 Rejected—Foreign Bank Fee....................each $ 5.00 MT101 Repaired—Union Bank Fee.......................each $ 35.00 MT101 Repaired—Foreign Bank Fee ...................each $ 5.00 Your foreign bank will charge fees in addition to the fees listed above.

LIQUIDITY CENTER SERVICE
The Liquidity Center service provides a view of your cash position with us and can help you maintain and track your cash forecast. The service also provides the option to manage and report your intercompany positions and intercompany interests.

Liquidity Center Portal
Cash Activity View...........................................per month $ 300.00 Cash Forecasting.............................................per month $ 750.00 Intercompany/Pooling Report
Summary Report....................................................................$ FREE Detailed Report...............................per loan/per month $ 50.00

LOCKBOX SERVICES
Lockbox services provide the ability to speed collections, streamline remittance processing, and improve audit trails.

You can view images of checks and correspondence online, providing convenience and potential savings for your business.

Retail Lockbox
Retail Lockbox service automates the collection and reporting of high-volume (>100k payments per month), low-dollar
payments by mail. Optical Character Recognition (OCR)
scanlines containing remitter account number and payment due are read from the remittance coupons, compared to the actual payment amounts, and transmitted to you. Select from a wide range of payment processing options, view images of checks and scanned documents, and make online annotations to payments. Checks are deposited directly to your Union Bank account for same-day ledger credit. Specialized options, such as custom reports, data transmissions, account lookup, marksense detection, and other popular service options, are available.

New Client Setup....................................................per box $ 1,500.00 Monthly Maintenance...........................................per box $ 175.00 Monthly Minimum Fee..........................................................$10,000.00 Account Maintenance
Maximum of One Account Per Deposit Group ...........$ FREE Retail Lockbox Deposit................................per deposit $ 1.50 Image Delivery
Lockbox Portal Maintenance .............................per box $ 125.00 CD Produced................................................................each $ 45.00 Full Page Image..................................................per image $ .10 Image Transmission ...................................................each $ .02 Items Processed
Items Processed – High Speed
1–100,000............................................................ per item $ .105 100,001–250,000.............................................. per item $ .10 250,001–500,000.............................................. per item $ .09 500,001–1,000,000.......................................... per item $ .0875 Item Number: 10.

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1,000,001+ .......................................................... per item $ .085 Items Processed – Low Speed........................ per item $ .1875 On Site Destruction............................................. per item $ .002 Image Archive
0–180 days ...............................................................................$ FREE (After 180 days, client has the option to purchase Image Archive by the year as follows):
1 Yr..........................................................................per image $ .0035 2 Yr..........................................................................per image $ .0045 3 Yr..........................................................................per image $ .0055 4 Yr..........................................................................per image $ .006 5 Yr..........................................................................per image $ .0065 6 Yr..........................................................................per image $ .007 7 Yr..........................................................................per image $ .008 10 Yr.......................................................................per image $ .0085 Payee Verification (Low Speed)
Up to 5 Payees Only ............................................ per item $ .15 Rejects/Unprocessable..................................... per item $ .25 MICR Repair.................................................. per keystroke $ .01 OCR Scanline Repair................................. per keystroke $ .01 OCR Reject............................................................. per item $ .35 Lockbox Deposit Items ....................................... per item $ .0125 Item Options
Coupon Copy/Image ......................................... per copy $ .15 Check Copy/Image.............................................. per item $ .15 Postal Box Rental..................................................................at USPS cost Manual Sort.............................................................. per item $ .20 Reporting Options
Data Entry.......................................................per keystroke $ .015 Data Transmission ............................................per month $ 100.00 Data Transmission/Media................................... per item $ .015 Additional Service Options
Multiple Deposits ..............................................per month $ 75.00 Online Exception Decisions .............................. per item $ .50 Stop List...............................................................per month $ 50.00 .................................................................................. per item $ .18 Account Lookup................................................per month $ 100.00 MICR History Lookup........................................... per item $ .05 Mark Sense Detection......................................... per item $ .0075 Foreign Item Processing*................................... per item $ .50 *Additional fees may apply. Please see Foreign Exchange Services.

Cash Item.......................................................per envelope $ 9.00 Card Item Processed........................................... per item $ .90 Card Item Rejected.............................................. per item $ .55 Special Process Letters..........................per letter $ 2.75 + postage USPS Returned Mail ....................................per envelope $ .50 Shipping/Handling.................................per package $ 1.75 + costs Custom Programming ........................................per hour $ 275.00 Special Handling...................................................per hour $ 27.00 Incoming Certified/Express Mail ............per envelope $ 5.00 Wholesale Lockbox
Wholesale Lockbox service automates the collection and
reporting of low-volume/high-dollar payments by mail.

Remittance processing is performed according to customized instructions. Checks are deposited directly into your checking account for same-day ledger credit. The service provides several options, including specialized processing, reporting, data entry, and data transmissions.

Item Number: 10.

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Web Paper Both
Monthly Maintenance per box $ 170.00 170.00 170.00
Image Delivery Monthly
Maintenance per box $ 100.00 N/A N/A
Exception Decisions
Maintenance per month 15.00 N/A N/A
Item Processed each $ .395 .47 .47
CD Produced each $ 45.00 N/A N/A
Image Access per image $ .0325 N/A N/A
Check Image (Black/White) each $ .055 N/A N/A
Document Image (Black/White)
each $ .10 N/A N/A
Color Image each $ .12 N/A N/A
Image Archive – 1 Yr per image $ .0075 N/A N/A
Image Archive – 7 Yr per image $ .0175 N/A N/A
Exception Decisions per item $ 1.00 N/A N/A
Image Transmission per image $ .04 N/A N/A
Rejects/Correspondence per item $ .25 .50 .50
Photocopies per copy $ N/A .144 N/A
Copy Request—Customer Service
Associate per item $ 11.50 11.50 11.50
Reassociate Invoice/Copies
per item $ N/A .15 N/A
Image System Reports per month $ N/A 50.00 N/A
Custom System Reports per month $ N/A 200.00 N/A
Special Stapling per item $ N/A .06 N/A
Additional Mailing per month $ N/A 50.00 N/A
Shipping/Handling per month $ N/A 100.00 N/A
Forwarding Address Notification....................................cost + 20% Account Maintenance
First Account/Deposit Group ........................................... $ FREE Accounts 2–10/Deposit Group..............................each $ 15.00 Accounts 11–25/Deposit Group ...........................each $ 20.00 Accounts 26+/Deposit Group..............consult account manager Wholesale Lockbox Deposit............................................. $ 3.00 Payee Verification
Payees 1–10............................................................................ $ FREE Payees 11–20......................................................... per item $ .08 Payees 21–30 ........................................................ per item $ .12 Payees 31+............................................................. per item $ .15 Postal Box Rental..................................................................................cost New Client Setup................................................................... $ 125.00 Sorting Options
Group Sort (2 Batches)....................................... per item $ .10 Fine Sort (3+ Batches) ........................................ per item $ .22 Invoice Sort............................................................ per item $ .22 Reporting Options
Data Entry ..................................................... per keystroke $ .02 Data Transmission............................................per month $ 210.00 Data Transmission/Media.................................. per item $ .02 Deposit Notification
Summary.............................................................per month $ 125.00 With Subtotals ...................................................per month $ 200.00 With Detail...........................................................per month $ 175.00 Item Number: 10.

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Out-of-State ..................................additional per month $ 30.00 Returned Items ...................................................... per call $ 5.00 Additional Service Options
Early-Morning Release....................................per month $ 55.00 Multiple Daily Deposits...................................per month $ 55.00 Stamping Invoice................................................. per item $ .10 Written Notation ................................................... per item $ .12 Date Lookup........................................................... per item $ .10 Stop List...............................................................per month $ 150.00 .................................................................................. per item $ .25 Payment Reversal................................................. per item $ 10.00 Balance Invoice(s) to Check............................. per item $ .05 Open Envelope by Hand ................................... per item $ .20 Foreign Item Processing*.................................. per item $ 10.00 *Additional fees may apply. Please see Foreign Exchange Services.

Cash Item.......................................................per envelope $ 12.50 Card Item Processed........................................... per item $ 1.05 Card Item Rejected.............................................. per item $ .55 Telephone Inquiry.................................................. per call $ 10.00 Unidentifiable Item.............................................. per item $ 5.00 Fax ............................................................................per page $ 7.00 Custom Programming (Minimum $150)......per hour $ 150.00 Special Handling (Minimum $100)................per hour $ 50.00 Batch Preparation...............................................per batch $ 1.25 Incoming Certified/Express Mail.........per envelope $ 5.00 Training and Implementation Services ........................ see page 9 Wholetail Lockbox
Wholetail Lockbox service automates the collection and
reporting of high-volume/moderate-dollar payments by mail.

Optical Character Recognition (OCR) scanlines containing remitter account number and payment due are read from the remittance coupons, compared to the actual payment amounts, and transmitted to you. Select from a wide range of processing options to customize processing instructions, view images of checks and scanned documents, and make online annotations to payments. Checks are deposited directly into your Union Bank account for same-day, ledger credit. Specialized options, such as custom reports, data transmissions, check-only payments with copies, and other popular service options are available.

New Client Setup....................................................per box $ 350.00 Monthly Maintenance...........................................per box $ 170.00 Account Maintenance
Maximum of One Account Per Deposit Group .......... $ FREE Exception Decisions Maintenance...........per month $ 15.00 Wholetail Lockbox Deposit............................................... $ 3.00 Image Delivery
Image Delivery Monthly Maintenance............per box $ 100.00 Image Access.....................................................per image $ .0325 CD Produced................................................................each $ 45.00 Check Image (Black/White).....................................each $ .06 Document Image (Black/White) ........................... each $ .10 Image Transmission ...................................................each $ .04 Items Processed
Items Processed – Singles ................................ per item $ .295 Items Processed – Multiples............................. per item $ .30 Check-Only Remittances .........additional per check $ .21 Item Number: 10.

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Low-Volume Surcharge
(< 5,000 Items Per Month).............................. per item $ .13 Image Archive – 1 Yr............................................ per item $ .0075 Image Archive – 7 Yr............................................ per item $ .0175 Payee Verification (Simple Names)
Up to 3 Payees....................................................... per item $ .01 Payee Verification (Non-Standard)
>3 Payees ................................................................ per item $ .50 Rejects/Correspondence ................................. per item $ .25 Non-Matched Items............................................. per item $ .35 OCR Scanline Repair................................. per keystroke $ .025 Item Options
Coupon Copy/Image.........................................per copy $ .1377 Check Copy/Image............................................. per item $ .1377 Postal Box Rental..................................................................................cost Manual Sort (Up to 4 Batches Only) .............. per item $ .20 Reporting Options
Data Entry ..................................................... per keystroke $ .02 Summary System Report..............................per month $ FREE Custom System Reports................................per month $ 200.00 Data Transmission............................................per month $ 200.00 Magnetic Media................................................per month $ 250.00 Data Transmission/Media.................................. per item $ .02 Additional Transmissions..........................................each $ 25.00 Deposit Notification
Summary ..........................................................per month $ 125.00 Out-of-State................................additional per month $ 30.00 Additional Service Options
Multiple Daily Deposits...................................per month $ 55.00 Stop List...............................................................per month $ 150.00 .................................................................................. per item $ .25 Payment Reversal................................................. per item $ 10.00 Foreign Item Processing*.................................. per item $ 10.00 *Additional fees may apply. Please see Foreign Exchange Services.

Cash Item.......................................................per envelope $ 12.50 Card Item Processed........................................... per item $ 1.05 Card Item Rejected.............................................. per item $ .55 Telephone Inquiry.................................................. per call $ 10.00 Fax ............................................................................per page $ 7.00 Additional Mailing ............................................per month $ 50.00 Shipping/Handling ..........................................per month $ 100.00 Custom Programming (Minimum $150)......per hour $ 150.00 Special Handling (Minimum $50)...................per hour $ 50.00 Copy Request—Customer Service Associate
.................................................................................. per item $ 11.50 Remittance Designated Deposit Distribution
..............................................................................per month $ 600.00 Incoming Certified/Express Mail...........per envelope $ 5.00 Training and Implementation Services ........................ see page 9

ONLINE BANKING SERVICES
Financial Center Add/Change/Delete a User ID
Self-Service...................................................................each $ FREE Bank .................................................................................each $ 5.00 Item Number: 10.

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INTEGRATED PAYABLES SERVICES
Outsourcing your payment processing allows you to streamline operations and reduce the cost and security risks associated with account payables-related payments.

Monthly Maintenance..................................... per profile $ 200.00 Payroll Site Monthly Maintenance..................per site $ 300.00 Vendor Portal ACH Monthly Security..per customer $ 15.00 Customer Setup
ACH, Check, VCard, and/or Wires*
Easy Check Implementation..........................................$ 1,200.00 1 Service ..............................................................................$ 2,000.00 2 Services ............................................................................$ 3,500.00 3 Services ............................................................................$ 5,000.00 4 Services ............................................................................$ 6,000.00 5+ Services..........................................................................$ 7,000.00 *Any new setup with significant addenda/rollover pages will have a minimum charge noted above and may require additional hourly charges because of its complexity.

Online Payroll Access, Payroll 1099, Payroll W2, and/or Payroll 1042S
1 Service ..............................................................................$ 2,000.00 2 Services ............................................................................$ 3,500.00 3 Services ............................................................................$ 5,000.00 4 Services ............................................................................$ 6,200.00 5+ Services..........................................................................$ 7,800.00 Complex Customer Setup ACH, Check, VCard,
and/or Wires*
1 Service ..............................................................................$ 5,000.00 2 Services ............................................................................$ 7,000.00 3 Services ............................................................................$ 9,000.00 4 Services ............................................................................$ 10,000.00 5+ Services..........................................................................$ 11,000.00 *Any new setup with significant addenda/rollover pages will have a minimum charge noted above and may require additional hourly charges because of its complexity.

Document Print, Convert Paper to Electronic
Per Account ................................................consult account manager Checks
Check Printing
Domestic
Checks
Canadian
Checks
Same
Day
Checks
Items 1–9,999 each $ .50 .60 .60
Items 10,000–49,999 each $ .35 .53 .53
Items 50,000–99,999 each $ .30 .48 .48
Items 100,000+ each $ .25 .42 .42
Check Printing
Overflow Pages
All Check Types
Items 1–9,999 each $ .13
Items 10,000–49,999 each $ .09
Items 50,000–99,999 each $ .08
Items 100,000+ each $ .07
Item Number: 10.

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Check Reprinting ........................................................each $ 4.00 Manual Check Pull
Items 1–100................................................................each $ 2.75 Items 101+..................................................................each $ 2.50 Check Extra Logo or Signature..............................each $ 250.00 ACH and Paper to Electronic
ACH Converted Check .............................................each $ .35 ACH Converted Check Overflow Page...............each $ .08 ACH Reformatted Transactions and Canada EFT
Items 1–9,999............................................................each $ .20 Items 10,000–49,999..............................................each $ .15 Items 50,000–99,999..............................................each $ .14 Items 100,000+.........................................................each $ .13 ACH Overflow Addenda Line .........................per page $ .007 Wires..................................................................................each $ 10.00 Virtual Card Payments ..............................................each $ .25 Setup or Remove Customer Account
............................................................................ per account $ 115.00 Other Print Charges
Oversized Mailing........................................................each $ 1.75 Payroll Mailing of 1099, W2, 1042S Forms
Items 1–20,000..........................................................each $ .50 Items 20,001+............................................................each $ .44 Mail Advices
Items 1–1,000 ............................................................each $ .15 Items 1,001–2,500...................................................each $ .14 Items 2,501–5,000...................................................each $ .13 Items 5,001–10,000.................................................each $ .11 Items 10,001+............................................................each $ .10 Conversion Inserts (our custom) with Check....each $ .13 Conversion Inserts (customer document)
with Check ..................................................................each $ .06 Conversion Inserts (our custom)
Exclusive Mailing, Postage Extra.........................each $ .13 Conversion Inserts (customer document)
Exclusive Mailing, Postage Extra.........................each $ .06 Specialty Print
Specialty Print Page/Print/Invoice
Items 1–20,000..........................................................each $ .22 Items 20,001–50,000..............................................each $ .21 Items 50,001–100,000 ...........................................each $ .19 Items 100,001+.........................................................each $ .17 Specialty Print Additional Pages
Items 1–20,000..........................................................each $ .10 Items 20,001–50,000..............................................each $ .09 Items 50,001–100,000 ...........................................each $ .08 Items 100,001+.........................................................each $ .07 Color Pages...................................................................each $ .04 Return Envelopes Enclosed.....................................each $ .04 Overnight Handling Charges
Items 1–50.....................................................................each $ 2.70 Items 51–500................................................................each $ 5.40 Items 501+ ..................................................consult account manager Overnight Mail ...................................................................................... cost Postage .................................................................................................... cost Training and Implementation Services ....................... see page 9 Item Number: 10.

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INVOICE TO PAY
The Invoice to Pay service is an Accounts Payable (AP) and payments solution that automates invoice and payment
processing with invoice capture/management, invoice
validation, and approval workflow that can be structured for the needs of each business. This solution can integrate your accounting system directly with the Bank to streamline check and electronic payment processing.

No Accounting package:

Setup Fee (one time) ............................................................$ 100.00 Monthly Maintenance...........................................................$ 50.00 Invoice Per Line Detail ..........................................................$ .20 Per Invoice* :
1–250............................................................................each $ 2.50 251–500.......................................................................each $ 2.25 501+..............................................................................each $ 2.00 QuickBooks™ Accounting package:

Setup Fee (one time) ............................................................$ 200.00 Monthly Maintenance...........................................................$ 100.00 Invoice Per Line Detail ..........................................................$ .20 Per Invoice* :
1–250............................................................................each $ 2.50 251–500.......................................................................each $ 2.25 501+..............................................................................each $ 2.00 Other/ERP Accounting package:

Setup Fee (one time) ............................ (consult account manager) Monthly Maintenance...........................................................$ 250.00 Invoice Per Line Detail ..........................................................$ .20 Per Invoice* :
1–250............................................................................each $ 2.50 251–500.......................................................................each $ 2.25 501+..............................................................................each $ 2.00 *This will include the invoice capture, storage, and approval routing for the invoice.

Additional payment processing fees will apply for checks, ACH, etc. See Integrated Payables.

Item Number: 10.

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POSITIVE PAY SERVICES
The Positive Pay services (Positive Pay(ee), Basic Positive Pay(ee)) provide early fraud detection and prevention when issuing checks on an account, and allows you to block payment of unauthorized checks.

Basic Positive
Pay without
Account
Reconcilement
Positive
Pay
Monthly Maintenance
per account $ 60.00 FREE
Exception Items Returned each $ 12.50 12.50
Payee Exception Processing each $ 1.75 1.75
Same-Day Processing $ N/A FREE**
Holiday Scheduling per day $ N/A 25.00
Payee Name Validation each $ .035 .035
Exception Items
Exceptions Reported each $ 1.85 1.85
View Image of Exception Item
each $ .50 .50
Check Issues
Upload
Items 1–250 each $ FREE .18
Items 251+ each $ .30 .18
Manual Issue
Items 1–250 each $ FREE .25
Items 251+ each $ .30 .25
Transmission
Transmission Input Base
per transmission $ 10.00 *
Transmission Per Item each $ .06 *
Per Paid Check
Per Item each $ .06 *
*Additional fees may apply. Please see Reconcilement services. **See Controlled Disbursement service and Reconcilement services.

Item Number: 10.

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Reverse Positive Pay and Basic Reverse Positive Pay – The Bank reports all checks presented for payment. You do not submit Check Issue Reports. These services provide early fraud detection and prevention when issuing checks on an account, and allow you to block payment of unauthorized checks.

Basic Reverse
Positive Pay
w/o Account
Reconcilement
Reverse
Pos. Pay
Monthly Maintenance
per account $ 60.00 FREE
Exception Items Returned each $ 12.50 12.50
Same-Day Processing $ N/A FREE**
Holiday Scheduling per day $ N/A 25.00
Exception Items
Items 1–500 each $ FREE .20
Items 501–750 each $ .05 .20
Items 751+ each $ .10 .20
View Image of Exception Item each $ .50 .50
Transmission
Transmission Input Base
.per transmission $ 10.00 10.00
Transmission Output Base
.per transmission $ 13.50 13.50
Transmission Exception Decision
each $ .025 .025
Transmission Decision Input
per item $ .065 .065
Per Paid Check
Items 1–250 each $ .040 *
Items 251–500 each $ .060 *
Items 501+ each $ .200 *
*Additional fees may apply. Please see Reconcilement services. **See Controlled Disbursement service and Reconcilement services.

PROPERTY TAX PAYMENTS VIA

ELECTRONIC FUNDS TRANSFER SERVICES
ACH Debit
Setup ......................................................................................... $ 750.00 Monthly Maintenance.......................................................... $ 400.00 Touchtone Transaction Fee................................................$ 15.00 Fax Mailed Receipts ............................................................. $ 15.00 Output Options —CCD + TXP Format
Consolidation of Debits and Credits.............................. $ FREE Data Transmission.......................................................each $ 55.00 Information Reporting Options
Database Enrollment........................................per report $ 250.00 Daily Summary Reports ..................................per report $ 50.00 Faxed/Mailed Receipt.......................................................... $ 15.00 Electronic Credits.................................................................. $ 2.50 Item Number: 10.

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RECONCILEMENT SERVICES
Our Account Reconcilement services provide better control and increased productivity over manual reconcilement of bank statements. The service has three options: Full Account Reconcilement, Partial Account Reconcilement, and Deposit Reconcilement.

Full Account Reconcilement: Reports and reconciles check activity and requires check issue input from the customer.

Partial Account Reconcilement: Reports check activity and requires no additional input from the customer.

Deposit Reconcilement: Reports deposit activity by deposit location and type.

Full Partial Deposit*
Monthly Maintenance per box $ 110.00 75.00 75.00
Deposit Reconcilement
per deposit $ N/A N/A .15
Issue Input
Transmissions each $ 10.00 N/A N/A
(Minimum $25) per issue $ .065 N/A N/A
MICR Copy (with $100 Maintenance)
per issue $ 2.00 N/A N/A
Issue Input—Additional Data
per issue $ .11 N/A N/A
Rejected Issue Re-Entry per issue $ .15 N/A N/A
File Maintenance per transaction $ .15 N/A N/A
Record Maintenance per issue $ 1.75 N/A N/A
per range $ 25.00 N/A N/A
Checks Paid Per Month
with Truncation
Checks 1–5,000 each $ .12 .14 N/A
Checks 5,001+ each $ .095 .12 N/A
*Additional fees may apply. Please see Basic Account services.

Reconcilement Services—Optional Features
Online Reporting
PDF Reports ..............................................................................$ FREE (Additional fee may apply for Optional Reports)
CSV Format Reports
Per Month........................................................ per account $ 20.00 Reports Downloaded
1–10,000 items..........................................................each $ .015 10,001+ items............................................................each $ .008 Copy/Image Services
Web Image Inquiry/Copy of Checks
Monthly Maintenance .............................. per account $ FREE CD.......................................................................................each $ 70.00 Check Capture...................................................... per item $ .075 CD Reproduction (>45 Days Following Original
Production) .............................................................per CD $ 90.00 Transmission Output..................................................each $ 13.50 .................................................................................... per item $ .025 Item Number: 10.

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Stale Date Feature (Includes Reports)
Monthly Maintenance.......................................................... $ 10.00 Stale Date Listing (Minimum $15) .................. per item $ .01 Delivery
Paper Report Printing and Shipping......per package $ 125.00 Special Handling.....................additional per package $ 10.00 Snapshot Reconcilement (Does Not Include
Statement Charge).....................................................each $ 25.00 Additional Cutoff—Demand (Does Not Include
Statement Charge).....................................................each $ 50.00 Returned Items .............................................................each $ 12.50 Stop Payments..............................................................each $ 25.00 Stop Payment Renewal .............................................each $ 12.00 Optional Reports
Outstanding Only .............................................per report $ 10.00 Paid No Issue ......................................................per report $ 10.00 Cancel Check.....................................................per report $ 10.00 Additional Copies..............................................per report $ 10.00 Other (Non-Standard) .....................................per report $ 15.00 Clerical Services (Minimum $50) ...................per hour $ 50.00 Custom Reports/Programming .....................per hour $ 150.00 Training and Implementation Services ........................ see page 9

REMOTE DEPOSIT SERVICES
Our Remote Deposit services automate check deposits,
increase funds availability, and improve efficiencies. No matter where your operations are or how many locations you have, you can electronically scan and deposit all of your checks directly into your account at Union Bank.

Web Software Delivery
Customers can use our Web-based software and certified
scanner to scan checks and submit deposits. See your deposit manager for current scanner options and pricing.

Setup (one time)...................................................................... $ 200.00 Monthly Maintenance
First Account .......................................................................... $ 90.00 Additional Accounts (Maximum $400) ...............each $ 30.00 Transaction Fees—On-us/Transit........................each $ .15 Deposit Submitted......................................................each $ 1.50 Image Cash Letter/Direct Send Delivery
Customers can submit deposits using an industry standard image deposit file.

Setup (one time)...................................................................... $ 250.00 Monthly Maintenance
First Account .......................................................................... $ 125.00 Additional Accounts...................................................each $ 40.00 Transaction Fees—On-us/Transit ........................each $ .10 File Transmitted (Maximum $220).........................each $ 20.00 Deposit Submitted......................................................each $ 2.50 Vendor Delivery
Customers can submit deposits via payment-processing vendor using an industry standard image deposit file.

Setup (one time)...................................................................... $ 250.00 Item Number: 10.

<28>
Monthly Maintenance
First Account .......................................................................... $ 125.00 Additional Accounts...................................................each $ 40.00 Transaction Fees..........................................................each $ .10 Deposit Submitted (Maximum $100)...................each $ 5.00

SWEEP SERVICE
The Sweep service can make your daily treasury management more efficient and less time-consuming. End-of-day collected balances are used to determine daily investment/loan
transaction amounts so that you do not have to estimate your end-of-day excess cash position.

Monthly Maintenance—Money Market Mutual Fund1 &
IDA Sweep, Loan Sweep, and Two-Way Sweep .... $ 50.00
1 In addition to standard bank fees detailed in this Fee Schedule, some funds may charge fees at the fund level
and are included in the fund’s expense ratio.

TAX PAYMENT WITH INSTATAX SERVICE
Our InstaTax service provides for the deposit of business taxes electronically online or by Touchtone telephone. Experience speed, convenience, and reliability, since the InstaTax service eliminates the need for check writing, mailing, and coupon completion.

Web Touchtone
Setup per access code $ 25.00 25.00
Monthly Maintenance per access code $ 15.00 15.00
Transaction Processing
Payments, Cancellations, and Deletions
each $ 5.00 5.00
Payment Reversal each $ 10.00 10.00
Receipts/Statements
Fax Receipt....................................................................each $ 1.00 Mail Receipt...................................................................each $ 5.00 Monthly Statement.....................................................each $ 15.00 Quarterly Statement ..................................................each $ 15.00 Training and Implementation Services ........................ see page 9

TOTAL BILLER SOLUTION SERVICE
Our Total Biller Solution (TBS) service provides payment acceptance through Internet, Mobile Web, IVR, and CSR
payment channels and modules, and supports Electronic Bill Payment and Presentment services. Also, it supports electronic transaction processing through Re-Direct, Payer Single SignOn, and Web Services/API processes.

Basic Package A*
Setup Per Account.............................................per setup $ 1,500.00 Monthly Maintenance................................. per account $ 400.00 Plus Package B*
Setup Per Account.............................................per setup $ 2,000.00 Monthly Maintenance................................. per account $ 550.00 Item Number: 10.

<29>
Suite Package C*
Setup Per Division ............................................. 1st setup $ 3,000.00 Monthly Maintenance...........................................................$ 1,000.00 Monthly Maintenance for Divisions (up to 10).............$ 40.00 *Package A includes up to 8 hours of implementation services and up to 5 Customer Service Representative (CSR) seats. *Package B includes up to 12 hours of implementation services and up to 10 CSR seats.
*Package C includes up to 20 hours of implementation services and up to 15 CSR seats.
*For Package B and C clients with volumes over 25,000 items per month, standard setup and standard maintenance fees are waived. A minimum of $4,000 per month applies when
volumes are not met after three months.

TBS Express**
Setup Per Account.............................................per setup $ 150.00 Monthly Maintenance................................. per account $ 80.00 TBS Light**
Setup Per Account.............................................per setup $ 525.00 Monthly Maintenance................................. per account $ 350.00 Setup and Monthly Maintenance for
Divisions (each up to 10)...................................................$ 40.00 TBS Full**
Setup Per Division...............................................1st setup $ 1,500.00 Monthly Maintenance...........................................................$ 600.00 Setup and Monthly Maintenance for
Divisions (each up to 10)...................................................$ 40.00 TBS Enterprise is for clients with transaction volumes of 500,000 and up, and setup and transaction pricing will be available via a specialized quote from the Bank.
**TBS Express includes up to 2 hours of implementation services and up to 5 Customer Service Representative (CSR) seats. **TBS Light includes up to 4 hours of implementation services and up to 10 CSR seats.
**TBS Full includes up to 16 hours of implementation services and up to 10 CSR seats.

Transaction Fees
All Volume up to 1,000 Transactions ...................each $ .35 All Volume from 1,001 Transactions to
10,000 Transactions................................................each $ .30 All Volume from 10,001 Transactions to
25,000 Transactions................................................each $ .27 All Volume from 25,001 Transactions to
50,000 Transactions................................................each $ .24 All Volume from 50,001 Transactions to
100,000 Transactions .............................................each $ .20 All Volume from 100,001 Transactions to
500,000 Transactions .............................................each $ .17 All Volume Greater Than 500,000
Transactions ...............................................................each $ .12 Supporting Services
Professional Services (Per Hour)............................each $ 200.00 Custom Coding (Per Hour)......................................each $ 200.00 Other Modules and Services
(Not All Are Available with Package A)
Setup Interactive Voice Response (IVR)..............each $ 750.00 Monthly Maintenance IVR........................................each $ 500.00 Per Minute IVR..................................................per minute $ .15 SMS Messages (Mobile Terminated and
Mobile Originated) ...................................................each $ .08 Item Number: 10.

<30>
Bill Load up to 500,000 Items.................................each $ .01 Bill Load Greater Than 500,000 Items .................each $ .005 ePresentment up to 250,000 Items......................each $ .25 ePresentment from 250,001 to
500,000 Items............................................................each $ .20 ePresentment Greater Than 500,000 Items......each $ .15 ePresentment with Link up to 500,000 Items...each $ .10 ePresentment with Link Greater Than
500,001 Items............................................................each $ .09 ePresentment with API..............................................each $ .10 Web Services/API Setup...........................................each $ 3,000.00 Web Services/API Setup Plus..................................each $ 1,400.00 Monthly Maintenance Web Services/API ...........each $ 600.00 Token Stored.................................................................each $ .03 Token Processed.........................................................each $ .03 Web Services Processing Only
(Without Token) .........................................................each $ .04 Web Services BIN Lookup........................................each $ .015 Payer Re-Direct Setup ...............................................each $ 3,000.00 Payer Single Sign-On Setup....................................each $ 3,000.00 Payer Single Sign-On Monthly Maintenance ....each $ 300.00 FTP Setup..................................................................................$ 175.00 FTP Monthly Maintenance ..................................................$ 80.00 Enrollment Setup....................................................................$ 80.00 Enrollment Monthly Maintenance....................................$ 80.00 Additional CSR Logins (5+).................................................$ 75.00 Additional CSR Logins (1+)..................................................$ 20.00 Real Time Postback ...............................................................$ 150.00 B2B Functions Setup.............................................................$ 400.00 B2B Functions Monthly Maintenance .............................$ 325.00 EMV Card Present Module..................................................$ 225.00 EMV Transaction Authorization.........................................$ .08 Provision Per Terminal ..........................................................$ 75.00 PAX SP30 EMV Terminal ......................................................$ 350.00 TBS Bank Account Validation Setup.................................$ 75.00 TBS Bank Account Validation Conn. Per Transaction..$ .08

WIRE TRANSFER SERVICES
Our Wire Transfer services provide flexible features for securely initiating wires and receiving notification of wire activity.

Outgoing (OUTG)
Wire Transfers (Per Wire) Electronic1
Direct
Access
(DA)/
Branch
(BR)
Cust.

Service
(CSU)
Domestic (DOM) Wire
Wires 1–100 $ 12.00 N/A 125.00
Wires 101+ $ 8.00 N/A 125.00
Repetitive (REP) $ N/A 40.00 125.00
Non-Repetitive (NREP) $ N/A 40.00 125.00
International (INTL) USD Wire
Per Wire (Web Channel) $ 20.00 N/A 125.00
Per Wire (Electronic) $ 20.00 N/A 125.00
Repetitive (REP) $ N/A 60.00 125.00
Non-Repetitive (NREP) $ N/A 60.00 125.00
Item Number: 10.

<31>
Outgoing (OUTG)
Wire Transfers (Per Wire) Electronic1
Direct
Access
(DA)/
Branch
(BR)
Cust.

Service
(CSU)
INTL USD Pay In Full
Per Wire $ 45.00 N/A 125.00
Repetitive (REP) $ N/A 75.00 125.00
Non-Repetitive (NREP) $ N/A 75.00 125.00
INTL FX Wire
Per Wire $ 15.00 N/A 125.00
Repetitive (REP) $ N/A 50.00 125.00
Non-Repetitive (NREP) $ N/A 50.00 125.00
OUTG FCDA Wire2 $ 17.00 60.00 N/A
INTL FX Pay In Full
Per Wire $ 40.00 N/A 125.00
Repetitive (REP) $ N/A 65.00 125.00
Non-Repetitive (NREP) $ N/A 65.00 125.00
EFTPS Tax Payment $ 8.50 25.00 125.00
Internal Transfer
Account Transfer
End-of-Day/Web $ 2.50 N/A N/A
Internal Book Transfer $ 5.00 15.00 50.00
Misc Charges
OUTG Wire Repair—MISC $ 5.00 5.00 5.00
OUTG Wire Repair—NSF $ 5.00 5.00 5.00
Charges to
Beneficiary (BEN)3
1 Electronic Wire Transfer covers transfers initiated from Web Wires (WEB), Transmission (EDI), SWIFT (SWF), FedWire (FED), and Standing Order (STO) channels unless the specific
channel is called out separately.
2 Additional fees will be posted based on charges from the correspondent bank.
3 Wire fees will be deducted from the wire amount paid to the beneficiary.

Incoming Wire Transfer Price
Incoming Domestic Wire per wire $ 12.00
Incoming INTL USD Wire per wire $ 15.00
Incoming INTL FX Wire per wire $ 13.00
Incoming FCDA Wire per wire $ 15.00
Incoming Wire Repair per wire $ 5.00
Internal Wire per wire $ 5.00
Item Number: 10.

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Wire Drawdowns Price
Drawdown Request—Web per req $ FREE
OUTG DRAW REQ—
Incoming Funds per wire $ 20.00
Incoming DRAW REQ—
OUTG Funds per wire $ 16.00
Wire Notification/Advices Incoming Outgoing
Wire Advice—Phone $ 22.00 22.00
Wire Advice—Mail $ 15.00 10.00
Wire Advice—Fax $ 8.00 8.00
Wire Advice—SWF (MT900/910) $ .50 .50
Third-Party Advice—MT103 $ 1.00 N/A
Monthly Maintenance Fees Price
Wire Transfer Monthly Fee/Web per acct $ 50.00
Inactive Wire Template Storage
Monthly 4 per temp $ 1.00
Web Wire Dormant
Repetitives Charge per acct $ .25
Fax Advice Report Monthly per acct $ 45.00
Wire EDI Monthly TRANS Fee $ 220.00
SWIFT MT101 Monthly per acct $ 30.00
SWIFT 900/910 Monthly per acct $ 30.00
4 Active templates on the Web with no wire activity for 13 months will be charged a monthly storage fee.

Miscellaneous Charges Price
Wire Inquiry $ 6.00
Correspondent Bank Fees5 $
Wire Investigation $ 50.00
Security Tokens $ FREE
5 Additional fees will be posted based on charges from the correspondent bank.

Training and Implementation Services ........................ see page 9 Other Intermediary Bank fees may apply. See your Business Accounts & Services and Transaction Banking Services
Disclosure and Agreement as well as your Master Funds
Transfer Agreement.

Item Number: 10.

<33>

TRADE SERVICES
Our comprehensive trade services provide importers and
exporters with the ability to handle most transactions from beginning to end, eliminating the need for documents to be processed through third-party banks.

COLLECTIONS—INCOMING AND OUTGOING
Documentary
Sight........................................................................................... $ 110.00 Usance (Time) ........................................................................ $ 125.00 Direct Collection—Web-Initiated.................................... $ 80.00 Direct Collection.................................................................... $ 110.00 Clean Collections .................................................................. $ 85.00 Other Collection Services
Amend Instructions.............................................................. $ 90.00 Partial Payments .................................................................... $ 75.00 Dishonored................................................................. cost + $ 75.00 Maintenance—Items Unpaid from Due Date
..............................................................................per month $ 65.00

EXPORT LETTERS OF CREDIT
Advice
Original
Union Bank Client—Web-Initiated................................ $ 100.00 Union Bank Client............................................................... $ 150.00 Add Confirmation.............by arrangement, minimum $ 250.00 Amendment
Advice of Amendment—Web-Initiated ........................ $ 75.00 Advice of Amendment........................................................ $ 90.00 Examination/Payment
Export Letter of Credit
....................... 1/8% per set of documents, minimum $ 150.00 Reimbursement with Another Bank
..............................................by arrangement, minimum $ 150.00 Government Credit .........by arrangement, minimum $ 350.00 Documents Sent Unexamined
........................................................per set of documents $ 135.00 Payment on Reserve .......by arrangement, minimum $ 125.00 Acceptance.............................. 2% p.a./draft, minimum $ 150.00 ............................................................................................. or as arranged Discount Interest..............by arrangement, minimum $ 100.00 Prepayment Penalty If Paid Before Maturity ................ $ 100.00 Deferred Payment.................. 2% p.a./draft, minimum $ 150.00 Discrepancy .................................per set of documents $ 90.00 Re-Examination and Pre-Examination Fee
........................................................per set of documents $ 75.00 Expired, Unutilized, or Cancelled .................................... $ 125.00 Transfer Letter of Credit
................................................by arrangement, minimum $ 250.00 Direction to Pay Proceeds ..............................minimum $ 250.00 Item Number: 10.

<34>

IMPORT LETTERS OF CREDIT
Issuance
Import Letter of Credit—Web-Initiated
............................................1/8% per quarter, minimum $ 125.00 Import Letter of Credit
............................................1/8% per quarter, minimum $ 150.00 Government Letter of Credit ................................... by arrangement Amendment
Increase Amount or Extension—Web-Initiated
............................................1/8% per quarter, minimum $ 100.00 Increase Amount or Extension
............................................1/8% per quarter, minimum $ 150.00 Narrative or Other—Web-Initiated.................................. $ 100.00 Narrative or Other................................................................. $ 150.00 Examination/Payment
Import Letter of Credit
....................... 1/4% per set of documents, minimum $ 135.00 Government Letter of Credit ................................... by arrangement Acceptance.............................. 2% p.a./draft, minimum $ 150.00 ............................................................................................. or as arranged Prepayment Penalty If Paid Before Maturity .................$ 100.00 Discount Interest..............by arrangement, minimum $ 100.00 Deferred Payment.................. 2% p.a./draft, minimum $ 150.00 Shipside Bond/Air Cargo Release—Web-Initiated
............................................ 1/4% per quarter, minimum $ 200.00 Shipside Bond/Air Cargo Release
............................................ 1/4% per quarter, minimum $ 200.00 Discrepancy—Web-Initiated ..per set of documents $ 100.00 Discrepancy .................................per set of documents $ 100.00 Expired, Unutilized, or Cancelled .................................... $ 125.00 Transfer Letter of Credit
................................................by arrangement, minimum $ 250.00 Direction to Pay Proceeds ..............................minimum $ 250.00 Purchase Order Processing..................................... by arrangement

STANDBY LETTERS OF CREDIT
Issuance
Opening Commission......................2% p.a., minimum $ 500.00 .........................plus processing fee if paid by invoice $ 150.00 Auto-Renewal/Evergreen ............. per renewal period $ 250.00 Amendment
Increase or Extension.......................2% p.a., minimum $ 500.00 Narrative................................................................................... $ 150.00 Advice
Advising Fee............................................................................ $ 150.00 Amendment............................................................................ $ 150.00 Add Confirmation.............by arrangement, minimum $ 250.00 Examination/Payment
Standby Letter of Credit
.......................................... 1/4% per drawing, minimum $ 200.00 Direct Pay Examination/Payment.................................... $ 150.00 Discrepancy ............................................per examination $ 100.00 Expired, Unutilized, or Cancelled .................................... $ 150.00 Drafted but Not Issued.......................................per draft $ 250.00 Transfer Letter of Credit
................................................by arrangement, minimum $ 250.00 Direction to Pay Proceeds ..............................minimum $ 250.00 Item Number: 10.

<35>

OTHER TRADE SERVICES
Domestic Postage ................................................................. $ 20.00 Registered/Certified Mail.................................................. $ 25.00 Courier
Domestic.................................................................................. $ 35.00 International ............................................................................ $ 65.00 Handling Charge (Customer’s Courier)......................... $ 10.00 Scan Shipping Documents.................................................$ 10.00 Fax/Email Messages
Domestic.................................................................................. $ 20.00 International ............................................................................ $ 20.00 Swift or Telex
Short (1 Page)......................................................................... $ 50.00 Long (2+ Pages)..................................................................... $ 75.00 Payment
Fedwire or CHIPS .................................................................. $ 35.00 Cashier’s Check..................................................................... $ 45.00 Foreign Currency Processing.......................................... $ 65.00 International Services Activity Statement—Mailed
.....................................................account charge/quarter $ 45.00 ....................................................payment by invoice/year $ 180.00 Special Handling—Excess Detail
................................................by arrangement, minimum $ 125.00 Consultation Fee (Applies to Drafting Only)—
Minimum $250......................................................per hour $ 250.00 Credit Reports....................by arrangement, minimum $ 100.00 Tracers........................................................................................ $ 40.00 Trade Finance Investigations ..........................per hour $ 75.00 ...................................................................................... plus cable charges Training and Implementation Services ....................... see page 9 Note: Fees assessed by other banks will be additional. This fee schedule may not apply to all customers. Transactions that are not standard may be subject to different charges. Union Bank reserves the right to charge for services not covered by this fee schedule and to effect any alterations or amendments as we may consider necessary.

All pricing subject to change without notice, except as otherwise provided by applicable law.

Item Number: 10.

<36>
NOTES
Item Number: 10.

84060-GOV (01/01/2022) 03
©2022 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.
unionbank.com/commercial
Item Number: 10.

Security and
privacy programs
Summary of Information Security
and Privacy Programs
Executive Summary
MUFG Union Bank, N.A. considers your information to be a critical and valued asset that you entrust to the bank and its subsidiaries (collectively, the “Bank”). We are committed to safeguarding the information entrusted to us and we actively maintain enterprise-wide privacy and security programs in good faith compliance with applicable laws and regulations.

Our programs are designed to:
• Provide appropriate governance and clear guidance to our employees about the protection of customer information; • Monitor our systems for threats to customer information; • Provide security solutions that minimize the threat to customer information;
• Train and raise awareness among our employees to
understand their responsibilities with respect to the
protection of customer information and the security of
our systems;
• Require that third-party service providers adhere
to applicable security policies, standards, and
regulatory obligations;
• Address all customer notification and other requirements regarding information protection;
• Respond to information security and privacy incidents in a timely manner.

Enterprise Information Security
Our Enterprise Information Security Program is reviewed and approved by the Board of Directors and senior cybersecurity officers. The Bank’s Enterprise Information Security Program is also regularly reviewed by federal regulators. In addition, the Bank’s internal auditors perform audits and evaluations of the Bank’s internal control environment, and our Enterprise Information Security teams perform application and network threat modeling and penetration testing.
(continued)
The Objectives of our Enterprise Information Security
Program are designed to:
• Comply in good faith with applicable laws, regulatory guidance, and financial institution standards to protect the confidentiality, integrity, and availability of non-public personal and other confidential information;
• Oversee the necessary control framework to mitigate
information security risks and detect emerging threats; • Maintain an appropriate governance model for executive and Board oversight; and
• Sponsor and execute relevant activities and projects across the enterprise to strengthen the Enterprise Information Security Program.

Enterprise Information Security Program’s Areas of Focus1:

The program’s areas of focus help identify and prioritize the Bank’s actions for reducing information security risk, and is a tool for aligning policy, business, and technological approaches to managing risk.

The program seeks to:
• Identify: Recognize risks to systems, assets, data, and capabilities in order to prioritize the Bank’s information security efforts.
• Protect: Use the appropriate safeguards to protect
customers’ privacy and information.
• Detect: Identify and detect cybersecurity anomalies
and events through continuous monitoring and
detection processes.
• Respond: Once a cybersecurity event is detected, respond to contain the impact.
• Recover: Reduce the impact of a cybersecurity event
through resilience and timely recovery to normal operations.

Item Number: 10.

Incident Response Program:

The Bank has a formal Incident Response Program that
encompasses reporting, response, and notification
procedures. The program includes processes to respond
to a breach of electronic or physical security or the loss or exposure of data that has the potential to result in unauthorized access to confidential information.

The Incident Response Program is structured to provide
timely and efficient assessment and response to all reported incidents, in compliance with state and federal laws
and regulations.

Third-Party Service Provider Management:

The Third-Party Risk Management Program is governed by the Third-Party Risk Management Group which establishes the policy and framework to identify, monitor, manage, and report risks associated with third-party service provider relationships across the enterprise and in accordance with applicable laws, regulations, and regulatory guidance.

Security Awareness, Employee Training, and Compliance:

Our Security Awareness Program informs and engages
employees through multiple communication vehicles
and channels, including face-to-face interaction, digital communications through the Bank’s internal network,
computer-based training, and email distribution of
newsletters and alerts. Our Security Awareness Program
also encompasses messaging via external communications
channels, such as email, social media, and newsletters that inform our customers and clients about information security.

All Bank employees are responsible for appropriately handling and maintaining the confidentiality of customer information.

Additionally, all employees are responsible for adhering to the Bank’s Business Standards for Ethical Conduct Policy, as well as to all policies and procedures pertaining to the access, use, and protection of customer information. All employees are required to take Privacy, Incident Notification, and Information Security trainings and to recertify these trainings periodically.

The Bank’s Privacy Program
The Bank’s policy is to comply in good faith with applicable privacy laws and regulations. The Privacy Office establishes and maintains an enterprise-wide data privacy and
protection program.

Personal Information and Sensitive Personal Information:

The Bank maintains a program to help safeguard personal information, including sensitive personal information, like social security numbers, government issued identification numbers, and financial account numbers, through the use of ongoing risk assessments, monitoring, and control testing. In addition, privacy training is delivered to employees regarding the handling and safeguarding of personal information. The Bank’s privacy notices and online privacy practices may be viewed on the Bank’s websites.

European Union (EU)’s General Data Protection Regulation (GDPR):

The Bank is committed to ensuring the security and protection of the personal information that we process and to providing a compliant and consistent approach to data protection and individual rights in compliance with the GDPR’s requirements.

Individual Rights:

Where required by law, we respond to an individual’s request regarding their personal information held by the Bank, such as the rights to request access, delete, or opt out of the sale of their personal information. Certain residents of California are granted these rights under the California Consumer
Privacy Act (CCPA) and can exercise these rights by visiting mufgamericas.com/privacy.
8913705-UB (06/20)
©2020 MUFG Union Bank, N.A. All rights reserved. Member FDIC.

Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A. unionbank.com. 1 From the National Institute of Standards and Technology ‘Framework for Improving Critical Infrastructure Cybersecurity’ dated 4/16/2018.

Item Number: 10.

U . S. Bank C onfidential
Sample financial reporting
package
Custody solutions
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 2
Features………………………………………………..…...….…… 3 .CSV file format………………………......................................... 24 Special messages………………………….….…....……………… 4 Amortization and accretion…........…………………….................... 26 Consolidated account listing………………............................... 5 Asset class summary……………………….................................... 27 Market and cost reconciliation…………………………........…… 6 Asset rollforw ard………………………........................................... 28 Cash reconciliation……………………………..….….…...…….... 7 Broker commissions………………………...................................... 29 Asset summary………………………......................................... 8 Bond summary……………………….............................................. 30 Asset detail…………………………………….….……...……..…. 9 Bond quality schedule………………………................................... 31 Asset detail messages…...……………...……………………..…. 11 Prior market value reporting………………………......................... 32 Income accrual detail……………..……………….…..........…….. 12 Form 5500 - asset and liability……………….….…........................ 33 Transaction detail………………………...................................... 13 Form 5500 - income and expenses….….………………................. 34 Contribution activity….….….….….….….…..….......................... 14 Form 5500 - assets acquired and disposed of w ithin year............. 35 Benefit activity….….….….….….….….……............................... 15 Form 5500 - reportable transaction schedule................................ 36 Investment activity………………………..................................... 16 Unrealized gain/loss summary………………………...................... 37 Plan expenses….….….….….….….…..…….............................. 17 ASC820/GASB72 asset summary………………………................ 38 Other activity….….….….….….….….…….................................. 18 ASC820/GASB72 asset detail………………………...................... 39 Receipts and deliveries in kind……………………….................. 19 ASC820 asset detail level changes……………………….............. 40 Corporate changes and adjustments………………………......... 20 ASC820 level 3/not classified asset rollforw ard summary............ 41 Purchases………………………................................................. 21 ASC820 level 3/not classified transaction detail…......….….…..... 42 Sales and maturities……………………….................................. 22 Trial balance………………………................................................. 43 Pending trades..….…..........…………………............................. 23 Glossary………………………........................................................ 44 Table of contents
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 3
Features
• Statements available monthly, quarterly, semi-annually and annually
• Individual account and consolidated reports available • Trade or settle date reporting
• Duplex printing
• Only schedules with reported activity included
• Available in printed and electronic format
• Available in PDF and .CSV
• Disposition of assets can be reported by federal tax cost Item Number: 10.
or book value

U . S. Bank C onfidential | U . S. Bank | 4
Special messages
• Used to communicate
new statement features
or initiatives
Features
Item Number: 10.

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Consolidated account listing
• List of subaccounts that
rollup into the
consolidatedaccount
Features
Item Number: 10.

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Market and cost reconciliation
• Options of showing
current reporting period,
year to date or both
• Summarizes transactions
by category
• Optional reporting to
show subaccount detail
for consolidated account
reporting
Features
Item Number: 10.

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Cash reconciliation
• Summarizes cash
transactions by category
• Cash flow summary
• Cash reconciliation for
the statement period
consolidated into one
page
• Optional reporting to
show subaccount detail
for consolidated account
reporting
• Optional reporting to
show asset class detail
on purchases and sales
Features
Item Number: 10.

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Asset summary
• Market value and cost
summary of assets by
category
• Summary of accrued
income for the statement
period if selected
• Percent of each category
making up the total
market value of account
• Estimated annual income
• Pie charts
Features
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 9
Asset detail
• Asset description
• CUSIP
• S&P and Moody’s rating
• Shares/face amount subtotals
• Market value and cost per
asset
• Unrealized gain/loss since
inception and for the current
statement period
• Yield on market per asset
• Assets reported by
subaccount and totaled by
asset
• Optional ending accrual per
asset
• Optional equity industry detail
• Optional bond sort by alpha or
maturity
Features
Item Number: 10.

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Asset detail (continued)
• Stale pricing reporting
• Optional alternative
investment commitment
reporting
Features
Item Number: 10.

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Asset detail messages
• Schedule specific or
asset-specific
disclosures, which can
be for one or multiple
periods
Features
Item Number: 10.

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Income accrual detail
• Summarizes income
earned and received for
the statement period
Features
Item Number: 10.

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Transaction detail
• Receipts and
disbursements reported
and subtotaled by
transaction code
description
• Transactions sorted in
chronological order within
transaction category
• Beginning balances for
cash and cost
Features
Item Number: 10.

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Contribution activity
• Reports cash for
contributions and rollover
proceeds
• Reports cost and market
value for noncash
contributions
Features
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 15
Benefit activity
• Reports cash for benefit
payments and
distributions
• Reports cost, market
value unrealized/realized
gain/loss for noncash
distributions
Features
Item Number: 10.

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Investment activity
• Summarizes investment
activity for the statement
period
• Interest received during
the statement period by
asset
• Dividends received
during the statement
period by asset
• Other earnings received
during the statement
period by asset
• Transactions are sorted
first by asset and then
chronologically during the
statement period
Features
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 17
Plan expenses
• Summarizes expense
activity for the statement
period
• Transactions are sorted
by type and then
chronologically for the
statement period
• Reports cash expense
transactions for the
following:
– Insurance premiums
– Professional fees
– Contract admin fees
– Investment advisory
and management fees
– Other admin fees
– Interest expenses
– Other expenses
– Trust fees
Features
Item Number: 10.

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Other activity
• Summarizes other
activity for the statement
period
• Transactions are sorted
by type and then
chronologically for the
statement period
• Reports cash
transactions for the
following other activities
– Insurance proceeds
– Transfers in
– Miscellaneous receipts
– Transfers to checking
accounts
– Transfers out
– Miscellaneous
disbursements
Features
Item Number: 10.

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Receipts and deliveries in kind
• Reports noncash receipts
and deliveries of assets
• Reports shares, cost
(book or tax), market
value and gain/loss
• Sort asset category
alphabetically within
receipts and deliveries
categories
• Subtotaled by asset
category name
Features
Item Number: 10.

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Corporate changes and adjustments
• Provides all corporate
change and adjustment
detail during the
statement period
• Reports shares, cost,
market value and
gain/loss
• Transactions are sorted
first by corporate action
or adjustment type and
then chronologically
during the statement
period
Features
Item Number: 10.

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Purchases
• Provides all asset
purchase detail during
the statement period
• Dividend reinvestments
• Transactions are sorted
first by asset and then
chronologically during the
statement period
• Assets are reported by
subaccount and totaled
by asset
Features
Item Number: 10.

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Sales and maturities
• Summarizes sales,
maturities and capital
gains occurring during
the period per asset
• Transactions are sorted
by asset and then
chronologically for the
statement period; with
subtotals by asset
Features
Item Number: 10.

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Pending trades
• Available for trade date
statements
• Reports purchases or
sales that were traded
within the current
statement period and
have a settle date within
a future statement period
• Transactions are sorted
by asset and then
chronologically for the
statement period; with
subtotals by asset
Features
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 24
.CSV file format
• Copy of all the statement
schedules in spreadsheet
(.CSV) format
• Retrievable using the
Pivot file cabinet tool
• One zip file containing a
.CSV for each schedule
Features
Item Number: 10.

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Optional reporting
Item Number: 10.

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Amortization and accretion
• Amortization and
accretion transactions
are sorted first by asset
and then chronologically
during statement period
Features
Item Number: 10.

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Asset class summary
• Provides a summary by
asset class of beginning
and ending cost and
market value
• Percent of market value
by asset class
• Optional accrued income
Features
Item Number: 10.

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Asset rollforward
• Market value and cost
(federal tax cost or book
value) rollforward
reporting by asset and
asset category
• Available in PDF and
.CSV format
Features
Item Number: 10.

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Broker commissions
• Provides a summary by
broker - number of trades
and commission per
share
• Provides a list of all
purchases and sales
during the statement
period by broker
Features
Item Number: 10.

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Bond summary
• Summarizes total bond positions by
maturity and bond rating
• Short term maturity totals by days
• Maturity totals by years
• Percentage of bond positions maturing in
specified days/years
• Bond positions sorted by Moody’s or S&P
rating
Features
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 31
Bond quality schedule
• Identifies each bond
holding by rating
• Moody’s or S&P rating
• Asset name and
description
• Yield to call or maturity
Features
Item Number: 10.

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Prior market value reporting
• Also known as adjusted book
value reporting where the
cost basis is reset to the
beginning market value of the
fiscal year
• Option to display on all
reporting frequencies or just
the annual
• Optional at the account level
and shows on the following
reporting if holdings or activity
qualify:
– Asset detail
– Contribution activity
– Benefit activity
– Receives and deliveries
in kind
– Purchases
– Sales
– Form 5500 - reportable
transactions
Features
Item Number: 10.

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Form 5500 - assets and liabilities
• Reports beginning and
ending period market
value per asset class for
assets and for liabilities
• Annual schedule used in
assisting the client to
complete and file IRS
Form 5500
Features
Item Number: 10.

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Form 5500 - income and expenses
• Reports plan year
income and expense
activity
Features
Item Number: 10.

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5500 - assets acquired and disposed of within year
• Shows assets that had
no beginning or ending
position but were traded
during the statement
period
• Sorted by asset category
• Reports net trade
amounts - shares, cost
and proceeds
Features
Item Number: 10.

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Form 5500 - reportable transaction schedule
• Annual schedule used in filing
IRS schedule H (Form 5500)
• Reports 5% of beginning
market value
• Category 1 - single
transactions exceeds 5% of
value
• Category 2 - series of
transactions with same
broker exceeds 5% of value
• Category 3 - series of
transactions in same security
exceeds 5% of value
• Category 4 - single
transactions with one broker
exceeds 5% of value
Features
Item Number: 10.

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Unrealized gain/loss summary
• Annual reporting
reconciliation for adjusted
prior market unrealized
gain/loss
• Consolidated reporting
will show related
subaccount balances
Features
Item Number: 10.

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ASC820/GASB72 asset summary
• Summarizes assets by category
and pricing level
– Reporting assists the client w ith
fair value reporting requirements
• Level 1, 2, 3 and totals are
always shown
– Not classified and cash and
accrual columns w ill only be
show n w hen there are values to
report
• Amounts will be reported by
asset category (no
subcategories)
• Accrued income is optional
• Client is responsible for
assigning the final tier level and
should consult with
tax/audit/legal counsel for a final
determination
• U.S. Bank is providing only a
suggested tier level
– U.S. Bank is not providing
accounting or legal advice
Features
Item Number: 10.

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ASC820/GASB72 asset detail
• Shows the underlying
assets within each asset
category
• Accrued income is
optional
Features
Item Number: 10.

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ASC820 asset detail level changes
• Shows assets that have
changed their level since
the last reporting period
Features
Item Number: 10.

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ASC820 level 3/not classified asset rollforward
summary
• Shows the total changes
during the period and
provides a reconciliation
of the beginning and
ending market value of
all level 3/not classified
assets
Features
Item Number: 10.

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ASC820 level 3/not classified transaction detail
• Reflects transactions for
assets that are tiered at
level 3 where the inputs
for the price of the
security are unobservable
Features
Item Number: 10.

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Trial balance
• Settle or trade date formats
• Distributed online only
• Available in PDF or .CSV formats
Features
Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 44
Glossary
• Accretion: the accumulation of the value of a discounted bond until maturity. • Adjusted prior market realized gain/loss: the difference between the proceeds and the prior market value of the transaction.
• Adjusted prior market unrealized gain/loss: the difference between the market value and the adjusted prior market value.
• Adjusted prior market value: a figure calculated using the beginning market value for the fiscal year, adjusted for all asset related transactions during the period, employing an average cost methodology. • Amortization: the decrease in value of a premium bond until maturity. • Asset: anything owed that has commercial exchange value. Assets may consist of specific property or of claims against others, in contrast to obligations due to others (liabilities). • Bond rating: a measurement of a bond’s quality based upon the issuer’s financial condition. Ratings are assigned by independent rating services, such as Moody’s or S&P, and reflect their opinion of the issuer’s ability to meet the scheduled interest and principal repayments for the bond. • Cash: cash activity that includes both income and principal cash categories. • Change in unrealized gain/loss: also reported as gain/loss in period in the asset detail section. This figure shows the market appreciation (depreciation) for the current period. • Cost basis (book value): the original price of an asset, normally the purchase price or appraised value at the time of acquisition. Book value method maintains an average cost for each asset.

Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 45
Glossary (continued)
• Cost basis (tax basis): the original price of an asset, normally the purchase price or appraised value at the time of acquisition. Tax basis uses client determined methods such as last-in-first-out (LIFO), first-in-first-out (FIFO), average, minimum gain and maximum gain. • Ending accrual: (also reported as accrued income) income earned but not yet received, or expenses incurred but not yet paid, as of the end of the reporting period. • Estimated annual income: the amount of income a particular asset is anticipated to earn over the next year. The shares multiplied by annual income rate.
• Estimated current yield: the annual rate of return on an investment expressed as a percentage. For stocks, yield is calculated by taking the annual dividend payments divided by the stock’s current share price. For bonds, yield is calculated by the coupon rate divided by the bond’s market price. • Ex-dividend date: (also reported as ex-date) for stock trades, the person who owns the security on the ex-dividend date will earn the dividend, regardless of who currently owns the stock. • Income cash: a category of cash comprised of ordinary earnings derived from investments, usually dividends and interest.
• Market value: the price per unit multiplied by the number of units. • Maturity date: the date on which an obligation or note matures. • Payable date: the date on which a dividend, mutual fund distribution or interest on a bond will be made.

Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 46
Glossary (continued)
• Principal cash: a category of cash comprised of cash, deposits, cash withdrawals and the cash flows generated from purchases or sales of investments.
• Realized gain/loss calculation: the proceeds less the cost basis of a transaction. • Settlement date: the date on which a trade settles and cash or securities are credited or debited to the account.
• Trade date: the date a trade is legally entered into. • Unrealized gain/loss: the difference between the market value and cost basis at the end of the current period.
• Yield on/at market: the annual rate of return on an investment expressed as a percentage. For stocks, yield is calculated by the annual dividend payments divided by the stock’s current share price.

For bonds, yield is calculated by the coupon rate divided by the bond’s market price.

The terms defined in this glossary are only for use when reviewing your account statement. Please contact your relationship manager with any questions.

Item Number: 10.

U . S. Bank C onfidential | U . S. Bank | 47
Important disclosures
U.S. Bank National Association is a wholly-owned subsidiary of U.S. Bancorp.

U.S. Bank does not provide legal or tax advice. Furthermore, this document is not intended to provide legal, tax, or investment advice; does not take into account your particular situation or needs; and should not serve as a primary basis for any decision you might make. While it may illustrate banking services, this document is not a service contract or even an offer to enter into a service contract. If you have questions about your fiduciary, tax, investment, or other duties under state or federal law, including under the Employee Retirement Income Security Act of 1974, as amended, or under securities law, or about entering into a service contract in connection with such duties, you should consult your legal counsel.

Important Information about Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, tax identification number, and other information that will allow us to identify you. We may also ask for identifying documents.

Deposit products offered by U.S. Bank National Association. Member FDIC.

Investment products are:

Not a deposit Not FDIC Insured Not guaranteed by the bank May lose value Not insured by any federal government agency Item Number: 10.

At U.S. Bank, providing the best in customer service and convenience is a top priority. You will receive an accurate and timely U.S. Bank business account analysis statement in a concise, easy-to-read format. We’re committed to meeting and exceeding all your business needs.

Understanding Your Business Account Analysis Statement
Consolidated Analysis
Summary
Lead Account Number: The checking
account to which service charges are assessed.

Earnings Credit Rate: The rate applied
to the collected balance available for earnings
credit to calculate total earnings credit, as detailed
in the settlement analysis section on your analysis
statement.

Negative Collected Rate: The rate
charged for use of uncollected balances.

Reserve Adjustment Rate: This rate is
based on the reserve requirement percentage set by
the Federal Reserve.

Current Month Multiplier: The collected
balance available for earnings credit required to
offset $1 of service charges.

Settlement Frequency: The frequency
with which your account settles.

Settlement Period: The month your
account will settle.

Balance Summary
Average Ledger Balance: The sum
of daily balances divided by the number of days
in the month (includes collected and uncollected
balances).

Average Float: The sum of the average
daily balance of all checks you deposited for which
ledger credit has been given, but which are not yet
collected.

Average Collected Balance: The total
of your daily ledger balances, minus float, divided by
the number of days in the month.

Average Negative Collected
Balance: If the ending ledger balance minus any
uncollected funds is less than zero, then your daily
ending collected balance position is negative. The
average negative collected balance is calculated by
adding the daily negative collected balances for all
accounts and dividing by the number of days in the
month.

Average Positive Collected
Balance: If the ending ledger balance minus
any uncollected funds is greater than zero, then
your daily ending collected balance is positive. The
average positive collected balance is calculated by
adding the daily positive collected balances for all
accounts and dividing by the number of days in the
month.

Settlement Analysis
Average Positive Collected
Balance: The same as the average positive
collected balance described in number 12 above.

Collected Balance Available for
Earnings Credit Services: The average
positive collected balance.

Earnings Credit: The earnings credit rate
multiplied by the collected balance available for
earnings credit to produce your total earnings credit
amount.

Earnings Credit Based Service
Charges: The total service charges as detailed
on your analysis statement in the service activity
detail section.

Current Month Surplus/(Deficit)
Position: The total service charges for the current
month, after earnings credit has been deducted.

Net Service Charges: The net position at
settlement. A negative value indicates that you owe
a service charge.
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Item Number: 10.

usbank.com
Member FDIC. ©2012 U.S. Bancorp. All rights reserved. 7584 REL-2113 (Rev 3/15) 19 20 21
22 23
24 Service Activity Detail
Service Activity Detail: This section
lists volume, average unit price, total charge, and
collected balance required for each service used.

Association for Financial Professionals (AFP) Service
Codes are available upon request.

Average Unit Price: The average price
for each unit. For statements with more than one
account, the per-unit pricing can vary from account
to account. The average unit price at the summary
level is calculated by dividing the total charge by
volume. For detailed pricing information, refer to
account level statements.

Collected Balance Required: The
collected balance available for earnings credit you
must maintain in your account to fully offset total
charges.

Charge For Negative Collected
Balance: The volume indicated for this line
item is the number of dollars of average negative
collected balance for the current month. The average
unit price is calculated by multiplying the negative
collected rate by the number of days in the current
month, divided by 360.

Accounts Included In This Rollup: All
accounts that comprise the total analysis activity.

Calculations and
Definitions: Calculations and definitions of how
key information on the account analysis statement
is calculated.

If you have any questions about your statement, please call the customer service phone number provided at the top of your statement. If a customer service phone number is not listed, please contact your local U.S. Bank branch or your Relationship Manager. We would be happy to review your statement with you.
...Continued from previous page
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Item Number: 10.

Disclosure and Agreement
Business
Accounts &
Services and
Transaction
Banking Services
EFFECTIVE JANUARY 1, 2022
©2022 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.
unionbank.com/commercial
84163 (01/01/2022)
179284_UB_84163_CVR.indd 1 12/9/21 4:30 PM
Item Number: 10.

62 TRANSACTION BANKING SERVICES
Security Procedure means the applicable security
procedure for your data delivery type or Service for verifying the authenticity of Entries, funds transfers, payment orders, instructions, reversal or deletion requests, recall, return, amendment requests, and to the extent applicable, advices of checks, check issuance requests, or stop payment requests.

Service means any Transaction Banking Service described or covered by this Agreement or those we later make available to you.

Substitute Check means a copy of an original check, created from a check image that is similar in size to an original check, with a slightly reduced image of the front and back of the original check. The term “substitute check” shall have the meaning set forth in Check 21 and Regulation CC, as in effect from time to time.

UCC 4A means Article 4A of the Uniform Commercial Code– Funds Transfers, as adopted by the state whose law applies to a Service, as amended from time to time.

User Documentation means any written information we
provide you, including information in electronic format, as amended from time to time, that contains detailed instructions regarding the use of a Service, including, but not limited to, the Deposit Delivery Handbook, Materials, and Customer Manual.

Website means the Union Bank website with the Internet
address unionbank.com.

Zero Balance Account means a U.S. dollar demand deposit account maintained by you or your Affiliate at the Bank for which either the Ledger Balance or the Available Balance is returned to $0 or some predetermined amount as chosen by you on the Setup Form at the end of each Business Day through the transfer of funds to or from a designated Concentration Account. 179284_UB_84163_CVR.indd 2 12/9/21 4:30 PM
Item Number: 10.

Disclosure and Agreement
Business
Accounts
& Services
EFFECTIVE JANUARY 1, 2022
Item Number: 10.

Item Number: 10.

BUSINESS ACCOUNTS & SERVICES

TABLE OF CONTENTS
INTRODUCTION .............................................................................1 English as the Primary Account Language............................ 1 Business Accounts......................................................................... 1 Customer Identification................................................................ 1 ERISA STATUS ................................................................................3 DEFINITION OF CERTAIN TERMS ..........................................3 ANALYZED BUSINESS CHECKING....................................... 6 ANALYZED BUSINESS INTEREST CHECKING ..................8 INTEREST ON LAWYERS TRUST ACCOUNT (IOLTA).... 9
SAVINGS AND MONEY MARKET ACCOUNTS –
GENERAL INFORMATION ..................................................... 9

INFORMATION RELATING TO CHECKING, SAVINGS,
AND MONEY MARKET ACCOUNTS.................................12 Account Statements...................................................................12 Available Balance Determination and Use ..........................15 How Transaction Authorizations for ATM and Debit Card
Transactions May Lead to Overdraft Fees .......................16 Changing Account Types .........................................................17 Check Orders and Bank-by-Mail Kits.....................................17 Overdraft ........................................................................................18 How Overdrafts Occur...............................................................18 Overdraft Services ......................................................................18 Overdraft Coverage ...................................................................22 Postdated Checks........................................................................24 Stale-Dated (Old) Checks .........................................................24 Stop Payments..............................................................................24 Sub-Accounts ...............................................................................26 Substitute Checks .......................................................................26 Transaction Posting Order .......................................................28 Debit/Item Re-presentment.....................................................29 What We Do If Overdrafts Occur ...........................................29 When We Charge Overdraft Fees ..........................................29 Your Obligation to Cover Overdrafts ....................................29

FRAUD DETECTION, DETERRENCE, AND
SAFEGUARDING YOUR ACCOUNT.................................30 COMMERCIAL CASH SERVICES.........................................34 BSA/CTR/OFAC Compliance for Financial
Institution Clients......................................................................35 Order and Delivery of Coin and Currency ..........................35 INSTATAX® .....................................................................................36 ELECTRONIC BANKING SERVICES....................................38 Automated Clearing House (ACH) Services ......................38 Item Number: 10.

BUSINESS ACCOUNTS & SERVICES
Automatic Transfer Service......................................................39 Deposit Card, ATM Card, and Debit Card Services..........39 Documentation of Transfers ....................................................42 Electronic Funds Transfers Initiated by Third Parties.......43 Electronic Transaction Cancellations....................................43 Express Banking...........................................................................45 In Case of Errors or Questions about Your
Electronic Transfers .................................................................45 Limitation on Transfers...............................................................46 Lost or Stolen Card or Unauthorized Transaction ............46 Our Liability for Electronic Banking Transactions .............47 Preauthorized Transfers.............................................................47 Telephone Banking .....................................................................47 Your Liability for Unauthorized Electronic
Funds Transfers.........................................................................49 Real-Time Payments (“RTP”) Service Terms for
Receive Only..............................................................................49 WIRE TRANSFERS......................................................................50 General............................................................................................51 Incoming Wire Transfers............................................................51 Our Liability Concerning Wire Transfers ..............................51 Outgoing Wire Transfers............................................................51 Your Responsibility Concerning Wire Transfers ................53 SAFE DEPOSIT BOX SERVICE...............................................53 GENERAL BANKING INFORMATION ...............................54 Additions or Changes in Account Terms.............................54 Adjustments ..................................................................................54 Authorized Signer/Contracting Officer................................54 Change of Personal or Business Information.....................55 Check Cashing for Non-Customers......................................55 Check Quality ...............................................................................55 Verification.....................................................................................56 Checks and Deposit Slips – Changes to
Banking Information................................................................56 Checks Payable to a Business or Trust.................................57 Checks Sent for Collection ......................................................57 Checks with Special Instructions ..........................................57 Claim of Loss.................................................................................58 Closing an Account ....................................................................58 Communicating with You .........................................................58 Compliance with Relevant Laws.............................................59 Conflicting Claims to Account Ownership
or Control ....................................................................................61 Credit Verification........................................................................61 Death or Incompetence............................................................62 Demand Drafts (commonly referred
to as remotely created checks) ...........................................62 Item Number: 10.

BUSINESS ACCOUNTS & SERVICES
Deposit Insurance .......................................................................63 Deposit Administration Fee......................................................63 Deposits ..........................................................................................64 Endorsements...............................................................................66 Facsimile Signatures...................................................................67 Funds Availability Policy.............................................................67 Remote Deposit Service............................................................69 Mobile Check Deposits..............................................................69 Governing Law..............................................................................70 Inactive Accounts and Unclaimed Property ......................70 Income Tax Reporting................................................................71 International Transactions.........................................................72 Large Cash Withdrawals............................................................72 Legal Process ................................................................................73 Limitation of Liability; Indemnity.............................................73 Limitation on Time to Bring Action ........................................ 74 Multiple Signatures...................................................................... 74 Night Depository Service..........................................................75 Notice ..............................................................................................75 Online Services ............................................................................76 Opening Additional Accounts.................................................76 Presentment of Debits ...............................................................76 Pricing Regions.............................................................................76 Processing Cutoff Hour.............................................................77 Purchase of Monetary Instruments .......................................77 Record Search ..............................................................................77 Sharing of Information...............................................................77 Telephone and Electronic Communication
Monitoring or Recording........................................................78 Withholding of Income Tax ......................................................78 DISPUTE RESOLUTION............................................................ 79 Applicable Law; Severance ......................................................79 Resolution of Claims by Arbitration ......................................79 Arbitration Costs ..........................................................................81 Claims Covered............................................................................81 Claims Not Covered....................................................................81 Option to Arbitrate.......................................................................82 Returned Items .............................................................................82 Returned Items – Custom Service.........................................83 Returned Items – Notification .................................................84 Security Interest; Right of Setoff Order................................85 Services for Disabled Individuals ...........................................85 Severability.....................................................................................85 Third-Party Service Providers ..................................................86 Transferring or Assigning Rights to Your Account............86 Waivers ...........................................................................................86 COMMUNICATION WITH US ................................................ 87 Item Number: 10.

1 BUSINESS ACCOUNTS & SERVICES

INTRODUCTION
Welcome to MUFG Union Bank, N.A. (“Union Bank”). Your account is backed by the reputation and resources of one of the largest banks on the West Coast, as well as by coverage of the Federal Deposit Insurance Corporation (FDIC) to permissible limits.

Most accounts may be accessed in person at a Union Bank® branch location, through Online Banking, Mobile Banking or Telephone Banking, or by using your ATM Card or Union Bank Debit Mastercard BusinessCard® (“Debit Card”). Not all accounts and services are offered at all times at every Union Bank branch for all account types.

This Business Account & Services Disclosure and Agreement (“Account Agreement”), the Bank Depositor Agreement,
applicable fee schedule, other related documents we may provide you, and any amendments to the foregoing contain the terms of our agreement with you for your account and any related services. This Account Agreement supersedes all previous agreements related to its subject matter including any oral or written communication. Except as otherwise stated, this Account Agreement does not alter or amend the terms or conditions of any other agreement you have with us.

English as the Primary Account Language
How this affects our communications with you – English is the controlling language of this Account Agreement. If there is any inconsistency between English and another language that we use to communicate with you, the English version shall control unless we agree otherwise in writing or the laws governing your account specifically require a different result.

How this affects the way you communicate with us – All
written instructions that you give us (e.g., on a check) must be in English. We may decline to process any instruction written in a language other than English, whether issued by you or another person. We are not responsible for any liability you may incur as a result of our failure to honor such instructions.

Business Accounts
Business accounts are those accounts used for purposes other than personal, family, or household purposes.

Customer Identification
Important information about procedures for opening a
new account – To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, record, and retain information that identifies each person who opens an account.

What this means for you – When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your Item Number: 10.

2 BUSINESS ACCOUNTS & SERVICES
driver’s license or other identifying documents in order to verify your identity.

We may further ask you for specific information regarding the nature of anticipated activity, the sources of your funds, the purposes of transactions, the anticipated frequency of such transactions, the relationship you have with persons to whom you send funds and the persons who send funds to
you, the ultimate beneficiaries of funds you send and receive, and other questions that may help us clarify the nature and purpose of transactions and of your overall banking relationship with Union Bank.

We may, at our sole discretion, elect not to open an account or close any existing account, with or without cause. We may, at our sole discretion, open additional accounts upon your telephone, written, or online instructions. These accounts must be in the same title as previously established accounts you maintain with us.

We may close accounts if we are unable to understand the purpose of the account and its transactions, the structure of an account or organization, the authority of the signers, the documentation provided, or the general risk associated with the establishment of the account. We may elect not to disclose the specific reason for our action.

Identification for certain cash transactions – The Bank may ask all individuals for certain identification when making certain cash transactions:
• Union Bank account holders will be required to provide their ATM or debit card, or a valid government-issued ID, driver’s license, or passport.
• Non-clients will be required to provide a valid governmentissued ID, driver’s license, or passport.

Customer Due Diligence – To aid us in complying with the Bank Secrecy Act and related laws and regulations, we may also ask you for specific information regarding the nature of your anticipated account activity, the source of your funds, the purposes of your transactions, the anticipated frequency of such transactions, the relationship you have with persons to whom you send funds and the persons who send funds
to you, the ultimate beneficiaries of funds you send and receive, and other questions that may help to clarify the nature and purpose of your transactions. We may, at our sole discretion, elect not to open an account or close accounts if we are unable to understand the purpose of the account and its transactions, the structure of the account (e.g., trustee, estates, conservatorships, etc.), the authority of the signers, the documentation provided, the general risk associated with the establishment of the account, or for any other reason. We may elect not to disclose the specific reason for our action. Owners or fiduciaries may also be asked at account opening and from time to time to provide us with a trust certification, court orders, and any other documents deemed necessary by us.

Item Number: 10.

3 BUSINESS ACCOUNTS & SERVICES

ERISA STATUS
You will notify us in writing, in advance of the account opening, if any account or monies you hold or deposit with us are, or will be subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), together with all the rules promulgated thereunder, or Section 4975 of the Internal Revenue Code of 1986, as amended, (the “Code”), together with all the rules promulgated thereunder. We may in our sole discretion and subject to such further conditions as we may impose, including, without limitation, execution of further documentation in a form and manner acceptable to us, permit the holding of such accounts or deposits or receipt of funds.

You represent and warrant to us on a continuing basis that any transaction in connection with the account shall not result in a prohibited transaction under ERISA (or the Code) or shall otherwise be exempt, and you further agree to indemnify and hold us harmless from any loss, cost, tax or claim arising therefrom.

DEFINITION OF CERTAIN TERMS
Adjustments – Corrections or changes we make to your account (both credit and debit). For example, corrections or changes made as a result of deposits recorded on deposit slips in the wrong amount, or Items you deposit that are returned unpaid.

Annual Percentage Yield (APY) – A percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding. Unless otherwise noted, it is based on a 365-day period (366 days each leap year).

Annual Percentage Yield Earned (APYE) – An annualized rate that reflects the relationship between the amounts of interest actually earned on your account during a statement period and the average daily ledger balance in the account for that period.

Authorized Signer – Authorized Signers on your account are those noted on the signature card or as authorized by you in writing. An Authorized Signer acts on behalf of the Owner when taking an action on the account.

Available Balance (or Available Funds) – The amount of funds available in your account for withdrawal. This amount may be different from your Ledger Balance or Collected Balance.

Average Monthly (Ledger) Balance (Statement Average
Ledger Balance) – The amount calculated by adding the
Ledger Balance in the account for each day of the statement period (excludes interest paid on the last day of the statement period) and dividing that figure by the number of days in the period. The Average Monthly Ledger Balance, which may
be used to avoid the Monthly Service Charge, is based on a monthly statement period.

Business Days – Monday through Friday, excluding Federal holidays, even though we may be open on a Saturday or Sunday.

Unless otherwise noted, time refers to Pacific Time.

Item Number: 10.