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¹Capital markets services provided by MUFG Securities Americas Inc., a U.S. registered broker-dealer, member FINRA/SIPC, and affiliate of MUFG Union Bank, N.A. Non-deposit investment products are: • NOT insured by the FDIC or any other governmental agency • NOT Bank deposits • NOT guaranteed by the Bank or any Bank affiliate • Subject to investment risk, including the possible loss

Investment management services offered by MUFG Union Bank, N.A. in conjunction with its subsidiary, HighMark Capital Management, an SEC-registered investment adviser. Investments employing managed strategies: • Are NOT deposits or obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested.

Chartered Financial Analyst® is a designation given by the CFA Institute that measures the competence and integrity of financial analysts. CFA Professionals are required to possess a bachelor's degree, have four years of investment/financial experience and must pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis.

²MUFG Union Bank, N.A. and MUFG Securities Americas Inc. are both operating companies of Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups.

Perspectives

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