union bank brand quick guide

Union Bank Quick Guide

February 12, 2016

Visual identity 3Logo 4

The Line of Business identifier 4

Logo versions 5Primary logo 5Alternative logos 5

Logo specifications 6Clear space 6Minimum size 6

Incorrect logo use 7Do nots 7

Color 8

Color palette 9Color specifications 9Other colors 9

Secondary color palette 10For use in charts and graphs 10

Color usage 11Using color in a layout 11

Typography 12

Typeface 13Font 13

Typographic standards 14Type hierarchy 14Line of Business–branded offering identifier 15General type principles 16

Graphic device 17

Graphic device specifications 18Constructing the graphic device 18Adjusting the tint of the graphic device 19Adjusting the graphic device for black and white usage 19

Graphic device usage 20Using the graphic device with type 20Using the graphic device within a campaign 21Using the graphic device with photography 22Adjusting the graphic device 23

Table of contents

Layout strategy 24Graphic device placement and layout alternatives 24

Image strategy 25Choosing appropriate imagery 25

Digital 26Banner ads and tile ads 26Hero page banner ad specifications 27Product page banner ad specifications 28Sign-off banner ad specifications: option 1 29Sign-off banner ad specifications: option 2 30Creating the graphic device in Photoshop 31Tile ad specifications 32

Union Bank Investment Services 33

Examples 34Brochure 35

Rack brochure 36

Flyer 37

Print ad 38

3Union Bank Quick Guide | Visual Identity

With a robust and flexible visual identity, we can use our logo, color palette, photography, and more to represent and express our brand. The creative platform described in this guide enables us to implement our strategies for growth and success. Using our visual identity system accurately and consistently enables our brand equity to grow and strengthen. It also helps us create a clear connection between the MUFG and Union Bank® brands.

The specifications and examples presented here are a starting point for creating Union Bank communications. This guide does not address every possible scenario a designer may encounter. As such, be flexible when working on a given project while always taking care to ensure that all communications are consistent with the framework provided here.

Visual identity


The Union Bank logo is the clearest visual element of our corporate identity. It represents our entire company on all of our communications, signage, advertising, and more. Maintaining the integrity of the logo is essential to communicating a consistent and effective messaging in the marketplace. Inaccurate reproductions or uses compromise our ability to leverage our logo and our brand to help bring growth and success to the company.

To establish a visual relationship with each Union Bank Line of Business, we use the Union Bank logo in conjunction with a Line of Business identifier when we communicate to clients. Doing so connects us closely to the brand experience that clients expect from Union Bank, and enables us to use our visual and verbal identities to show the full scope of our offerings.

Our logo is one of our most recognizable assets, so it’s important we protect its use in everything we create.

Logo

Examples of Line of Business identifiers

The Line of Business identifier

In the Union Bank system, we often use a Line of Business identifier to distinguish each Union Bank Line of Business. Refer to page 14 for information on how to use the branded offering identifier.

I N V E S T M E N T S E R V I C E S

P R I O R I T Y B A N K I N G


Primary logo

Our logo is the Union Bank logo. It uses Union Bank Red and Union Bank Blue. It is available in three formats to meet your application needs:

• Spot: Use when spot-color printing is available, such as in high-end printed brochures, invitations, stationery, signage, etc.

• CMYK: Use in print applications when spot inks are unavailable.

• RGB: Use in all on-screen applications, such as websites, digital apps, etc.

Our logo includes the registered trademark symbol (®) in most uses. The registered trademark symbol may be cropped when the logo is used on permanent signage, stationery, business cards, and invitations, or when the logo is used below its preferred minimum size. Refer to the next page for more information about the minimum size for our logo.

Alternative logos

In situations where the primary logo cannot be used, the Union Bank logo may be used in black or reversed out. Both versions are available in two formats:

• CMYK: Use in all print applications.

• RGB: Use in all on-screen applications, such as websites, digital apps, etc.

Logo versions

Primary logo

Primary logo with endorsement line*

Alternative logos

* The primary logo with endorsement line shown here is a new version that has the endorsement line set in UB Gray. This version of the primary logo is only to be used with this updated Union Bank brand identity.


Clear space

We use clear space to maintain the clarity and integrity of our logo. Clear space refers to a zone free of graphics, imagery, or typography that surrounds the logo on every side.

We use the height of the letter “B” in Union Bank to determine clear space, as demonstrated below:

Minimum size

In order to retain legibility, the logo may not be scaled below its preferred minimum size of 2" wide.

For digital purposes only, the minimum size of the logo is 134px wide (not including legal mark) by 28px high.

Logo specifications

X = height of “B”

Clear space Minimum size

Digital minimum size

X

X

X

X2"

134px

28px


Do nots

Incorrect use of the logo creates brand confusion and inconsistency. The examples on this page describe what not to do with our logo.

Most importantly, you should never alter or manipulate our logo. It’s one of our most valuable, necessary assets, and we always protect it.

Incorrect logo use

22Union Bank Priority Banking Style Guide | Visual Identity

Do nots

Incorrect use of the logo creates brand confusion and inconsistency. The examples on this page describe what not to do with our logo.

Most importantly, you should never alter or manipulate our logo. It’s one of our most valuable, necessary assets, and we always protect it.

Incorrect logo use

UnionBank

Do not alter the size of the elements in relation to each other

Do not distort the logo Do not modify the logotype

Do not outline the logo Do not use shadows, 3D effects, or other treatments on the logo

Do not alter the colors of the logo

Do not apply a gradient to the logo Do not place the logo on a pattern or image that inhibits legibility

Do not place the logo on background colors that inhibit legibility


The Union Bank color palette creates a sense of distinction and warmth. Bright white backgrounds, accented with tan and gray, and punctuated by red, create a clean and optimistic look and feel for Union Bank.

The combination of colors also helps our brand differentiate from our competitors. The palette makes us approachable and inviting, and the use of white space aligns with the sense of opportunity our creative platform inspires.

Color

Union Bank color palette


Color specifications

Our color palette is essential to every communication we create. Our utilization of bright white backgrounds in conjunction with tan and gray and the judicious use of red brings our brand to life.

When we use these colors with intention, we can reflect our creative platform and create an accessible, open look and feel for our brand.

We use spot and CMYK specifications in all printed materials, and RGB or HEX for screen-based applications (such as PowerPoint, mobile, website).

Other colors

Blue is generally used only in the Union Bank logo (except in the case of our UnionBanc Investment Services subbrand). This color should not be used for other elements in a layout.

Color palette

PANTONE: 2738 CMYK: C 95, M 85, Y 0, K 0 RGB: R 40, G 70, B 170 HEX: 2846AA

PANTONE: Cool Gray 11 C CMYK: K 80 RGB: R 90, G 90, B 90 HEX: 5A5A5A

UB BlueWhite

CMYK: C 0, M 0, Y 0, K 0 RGB: R 250, G 250, B 250 HEX: FFFFFF

PANTONE: 1797 C CMYK: C 10, M 100, Y 100, K 0 RGB: R 230, G 0, B 0 HEX: E60000

UB Red

UB Gray

100% Tint CMYK: C 6, M 14, Y 41, K 10 RGB: R 211, G 188, B 141 HEX: D3BC8D

30% Tint CMYK: C 2, M 4, Y 12, K 3 RGB: R 242, G 235, B 221 HEX: F2EBDD

15% Tint CMYK: C 2, M 4, Y 10 K 3 RGB: R 244, G 240 B 231 HEX: F4F0E7

UB Tan* Commonly used UB Tan Tints*

Instead of the color(s) listed on this page, you may use the Pantone® colors cited, the standards for which can be found in the current edition of the PANTONE formula guide. The colors shown on this page and throughout this manual have not been evaluated by Pantone, Inc. for accuracy and may not match the PANTONE® Color Standards. PANTONE® is a registered trademark of Pantone, Inc.

* For UB Tan, the Pantone color is given for reference only. The preferred method of printing this color is always four-color process.


For use in charts and graphs

The secondary color palette contains five primary colors, along with their respective tints. These colors are available for use in charts and graphs. We recommend implementing the colors in the order shown here, from left to right. Tints are applied in the same order, in descending tint depth (shown below at 75% followed by 50% and 25%).

For simpler charts and graphs (requiring up to four contrasting colors), use UB Red with tints of UB Grey. Do not mix the primary UB colors with the secondary palette colors when creating charts and graphs.

Secondary color palette

PANTONE: 158 C CMYK: C 0, M 62, Y 95, K 0 RGB: R 232 G 119 B 34 HEX: E87722

PANTONE: 7406 C CMYK: C 0, M 100, Y 20, K2 RGB: R 241 G 196 B 0 HEX: F1C400

PANTONE: 340 C CMYK: C 99, M 0, Y 84, K 0 RGB: R 0 G 150 B 94 HEX: 00965E

PANTONE: 300 C CMYK: C 99, M 50, Y 0, K 0 RGB: R 0 G 94 B 184 HEX: 005EB8

PANTONE: 2084 C CMYK: C 66, M 79, Y 0, K 0 RGB: R 127 G 53 B 178 HEX: 7F35B2

RGB: R 238 G 153 B 89 HEX: EE9959

RGB: R 244 G 211 B 64 HEX: F4D340

RGB: R 64 G 176 B 134 HEX: 40B086

RGB: R 64 G 134 B 202 HEX: 4086CA

RGB: R 159 G 104 B 197 HEX: 9F68C5

RGB: R 243 G 187 B 145 HEX: F3BB91

RGB: R 248 G 226 B 128 HEX: F8E280

RGB: R 128 G 203 B 175 HEX: 80CBAF

RGB: R 128 G 175 B 220 HEX: 80AFDC

RGB: R 191 G 154 B 217 HEX: BF9AD9

RGB: R 249 G 221 B 200 HEX: F9DDC8

RGB: R 252 G 240 B 191 HEX: FCF0BF

RGB: R 191 G 229 B 215 HEX: BFE5D7

RGB: R 191 G 215 B 237 HEX: BFD7ED

RGB: R 223 G 205 B 236 HEX: DFCDEC


A strong community starts with a strong bank

Denys DuffyManaging DirectorRegional ManagerMarin North Bay415-728-1031

Doing right starts right here. Community banking is at the heart of what we do. From giving customers more convenient access to their money to financing their home in the neighborhood, Union Bank® believes in acting locally.1 We also believe that investing in local businesses helps everyone. For over 150 years, Union Bank has grown strong, one community at a time. We live here. We do business here. And we’re here, for you.

Experience the strength of Union Bank. Stop by your local Marin County branch today.

unionbank.com

1 Loans subject to credit and collateral approval. Financing available for collateral located in CA, OR, or WA. Restrictions may apply. Terms and conditions subject to change.

©2015 MUFG Union Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A.

Using color in a layout

Our colors are only effective when we use them thoughtfully and strategically. By following the principles below, we can stay on-brand and give our communications consistency when it comes to color.

• In advertising applications, photography should be used most prominently, with white as a background color.

• In collateral applications, the white should be used most prominently, with a smaller amount of photography.

• In both cases UB Red and UB Tan and its tints should be used to a lesser extent as secondary accent colors.

• UB Gray should be used for all copy.

Below, you can see the proportions we want to achieve clearly and visually.


Color usage

5%

15%

5%

75%

Layout color prominence

Advertising example Collateral example

401(k) plans: Good for you, your business, and your employees

B U S I N E S S B A N K I N G

LIMITED-TIME OFFER: SAVE 10% ON SETUP FEES

Sign up for a 401(k) from Paychex Retirement Services between January 1 and March 31, 2016, and receive 10% off setup fees.1

To learn more, speak with your banker today.

1 First salary deferrals must occur before April 30, 2016. This offer cannot be combined with any other program or discount.2 MetLife’s ninth annual Employee Benefit Trends Study, 2011.

©2016 MUFG Union Bank, N.A. All rights reserved.Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A. unionbank.com 8913102 (01/16)

A 401(k) is a powerful tool to help your business reduce tax liability, save for your future, and help your employees save for theirs.

For a limited time, receive 10% off setup fees when you sign up for a 401(k) from Paychex Retirement Services between January 1 and March 31, 2016.1

Tax benefits and aff ordability

• Pretax contributions. All plan participants (including owners) can contribute pretax dollars, up to $18,000 annually, plus catch-up contributions for those 50 or older, which potentially lowers taxes on earned income.

• Plan flexibility. You can choose to make contributions to employees’ 401(k) accounts or not. If you do make contributions, they are tax deductible.

• Plan expense deductions. 401(k) plan expenses are generally tax deductible. If this is your first 401(k) plan, your business may be eligible for an additional annual tax credit of up to $500 per year for three years.

Recruit and retain employees

Studies show that nearly two-thirds of employees consider a retirement plan to be a critical workplace benefit.2 Attract and keep employees with choices that work for you.

Our flexible plan design offers choices that fit your business:• Eligibility. You choose when employees are eligible to participate

(for example, immediately or after one year of employment). • Vesting. If you choose to contribute to employees’ 401(k) plans, you decide

on the vesting schedule (how long employees work for you before these funds are considered wholly theirs).

Ease of implementation

Union Bank® is proud to partner with Paychex Retirement Services, the leading 401(k) plan provider with over 68,000 clients. Paychex provides affordable 401(k) administration and recordkeeping services for businesses of all sizes. Paychex advantages include:• Simplified setup. Local specialists consult with you on plan design options

and guide you through onboarding.


We use the MUFG Global typeface: Graphik. A modern, geometric, sans-serif typeface, the use of Graphik creates layouts that are fresh, compelling, and also maintain legibility. Graphik works well in large and small sizes, and contains a variety of weights to allow great flexibility in various communications.

When we use our typographic style consistently—following the simple principles on the following pages—we can craft messages that clearly express the qualities of our brand.

Typography


Font

Graphik is our recommended typeface. Consistent use of Graphik ensures the legibility in all our communications, while also helping to establish the clean, elegant look and feel of our visual identity.

The Graphik font can be purchased here: https://commercialtype.com/typefaces/graphik

In some instances, such as with Microsoft Office and onscreen applications, Graphik may not be available. In these cases, we use the Helvetica typeface as a substitution. If neither is available, we use Arial.

Typeface

ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz1234567890&$¥€£%?!/”.,

Graphik bold


Graphik semibold


Graphik semibold italic



Graphik regular italic

Graphik medium italic


Graphik light italic

ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz 1234567890&$¥€£%?!/”.,

ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz 1234567890&$¥€£%?!/”.,

Graphik regular

Graphik medium


Graphik light





Helvetica

Helvetica oblique

Arial

Arial italic


Typographic standards

Type hierarchy

Our typefaces are most effective when we consistently follow a hierarchy in our communications. It standardizes the way we treat headlines and subheads.

Sizing is flexible and dependent on the piece you’re creating and the length of copy. The following guidelines should be used for most communications:

• Headlines should be set in sentence case in Graphik Light, ranging in size from 16pt to 36pt. Headlines do not end in a period.

• Headline leading can range from being equal to the headline type size up to 2 points larger than the headline type size. For instance, a 20pt headline could have leading ranging from 20 to 22 points. The presence of descenders in a two line headline would generally necessitate the large value being used.

• Sub-headlines may be set in sentence case in Graphik Semibold, ranging in size from 8pt to 12pt.

• Body copy should be set in sentence case in Graphik Light, ranging in size from 9pt to 12pt.

• Call to Action should be set in sentence case. Subheads are Graphik Medium and listings are Graphik Light. Both are 7/9pt.

• Disclosure should be set in sentence case in Graphik Light, 8/9pt. Graphic Condensed Light may be used when space is limited.

Note: Throughout this document type specifications are given as (point size)/(leading), so Graphik Light 7/9pt signifies 7pt type with 9pt leading.





unionbank.com



Body copy

Contact info

Disclosure

Advertising example


Typographic standards (continued)

Line of Business–branded offering identifier

The use of a Line of Business identifier distinguishes each Union Bank Line of Business or product category (e.g., credit cards or Maximum Rewards Credit Card, etc.) from other Union Bank offerings. The appropriate identifier should appear on each piece of communication.

The specifications for constructing the offering identifier are below:

• The offering identifier should be set in Graphik Regular, all caps, at 400 tracking.

• The offering identifier is always set in UB Gray.

• The font size of the offering identifier should be ⅓ of the size of its accompanying headline and, in general, a minimum of 8pt in size.

The Line of Business identifier may be placed in one of three locations in a layout:

• Inside the graphic device, following the headline. Refer to page 17 for more information about using the offering identifier with the graphic device.

• Outside the graphic device, above the headline. Refer to page 17 for more information about using the offering identifier with the graphic device.

• At the top right corner of the communication, flush to the right margin.

It’s important to use the offering identifier consistently. Here are a few ways you should avoid using the offering identifier:

• Never use a typeface other than Graphik Regular for the offering identifier.

• Do not use Bold, Italics, or Underlines with the offering identifier.

• Do not alter the color of the offering identifier.

• The offering identifier should never be used very close to or locked up with the Union Bank logo. They should appear as separate elements.

When a Line of Business identifier (such as “Priority Banking” or “Consumer Lending”) appears in the body copy or headline, typeset it normally to match the surrounding copy.

Examples of branded offering identifiers


I N V E S T M E N T S E R V I C E S

C O N S U M E R L E N D I N G


Qualifications: Applications for a new processing account with Union Bank and Elavon must be submitted between August 1 and September 30, 2015, and approved by October 15, 2015, to receive $200 off the purchase of select EMV terminals or talech EMV bundles. Discount will be applied up front to the purchase of select equipment, including Ingenico and VeriFone EMV terminals, or talech EMV hardware bundles, plus applicable taxes. Offer does not apply to equipment leases. Other equipment options are available at standard pricing. This offer can be modified, voided, or discontinued at any time. Banker may receive referral compensation from Elavon Merchant Services for the sale of this merchant account.

©2015 Elavon, Inc. Merchant Services provided by Elavon. Subject to business and credit approval. Union Bank and third-party merchant services vendors are separate legal entities, which are not affiliated with each other in any way by common ownership, management, control, or otherwise. The content, availability, and processing accuracy of their websites and products are the responsibility of each respective company. Union Bank makes no representations or warranties as to the suitability, accuracy, completeness, or timeliness of the information provided, including any information provided by third parties.

©2015 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. 8913012 (07/15)


Be chip card ready

Receive $200 off the purchase of select EMV terminals or talech EMV hardware bundles when you establish a merchant account with Union Bank® and Elavon® between August 1 and September 30, 2015.

Talk to a banker today.






















Line of Business identifier

Line of Business identifier


Typographic standards (continued)

General type principles

Since we use text in almost every application, we’ll want to refer to these principles often for direction and guidance. The general principles for typographic use within our visual identity are:

• Type should be set in UB Gray.

• All type should be flush left.

• Typography in the layout should always use an underlying grid system: align elements to the grid and to each other.

• Type should be clean, simple, and functional: do not create overly stylized type layouts.

• Use proper weights of Graphik to communicate the appropriate content hierarchy.

• Do not use periods in headlines.

• Headlines are always set in sentence case.

• The variety of font weights should be kept to a maximum of three for collateral items; additional type styles should be used sparingly for the purposes of additional hierarchy only.

• Use white space to balance out content; heavy amounts of text can overwhelm the reader.

• When Graphik is not available (e.g., for online use or in Microsoft applications), the substitute font of choice is Helvetica.


Advertising example

All type set in gray

Use of white space balances content

Body copy left-aligns with headline





unionbank.com




A major element in the Union Bank visual system is the graphic device. Inspired by the MUFG Global look and feel, the graphic device serves as focal point, highlighting headlines and other prominent information in a layout. The Private Bank uses a variation of this graphic device. This variation is clearly part of the Union Bank visual system to ensure that all of our offerings are part of the same family.

The graphic device consists of two parts: a red vertical bar that brings immediate attention to the messaging, and a box filled with UB Tan utilizing a translucent effect. When overlaid on a photograph, the translucent effect progressively reveals the underlying photo, creating a relationship between the graphic device and the imagery that reinforces our connection with our clients.

Graphic device

Graphic device example headline

Graphic device

Graphic device used with photography

A strong communitystarts with a strong bank


Constructing the graphic device

The graphic device consists of three different objects, only two of which are visible. As shown below, the left side of the graphic device is a vertical red bar. Flush to the right edge of this bar is a translucent box filled with a tint of UB Tan (generally 30%—see page 18 for exceptions). Underneath this box is a non-visible box filled with white. This box is necessary for the graphic device to print properly.

General information on how to construct the graphic device is as follows:

• The translucent box is used to contain messaging. It can also contain a Line of Business identifier. The red vertical bar acts as an anchor and focal point to bring attention to that message.

• The vertical bar is always attached to the left side of the graphic device.

• The translucent box is generally filled with a 30% tint of UB Tan. Certain exceptions to this standard, dependent upon the substrate being utilized, are detailed on page 18.

• The graphic device should always retain a horizontal orientation and should never be rotated to be used vertically or at an angle.

• The translucent quality of the graphic device is achieved by adding a gradient feather effect to the UB Tan portion of the graphic device object.

• Underneath the UB Tan portion of the graphic device is an identically sized element filled with “paper” (i.e., white) and set with a transparency of 40%. This element is required to ensure that the graphic device prints properly.

• It’s occasionally necessary to slightly adjust the opacity of the gradient feather, depending upon the elements that appear under the graphic element. Further details regarding this can be found on page 22.

Care should be taken to effect a consistent appearance for the graphic device across all communications.

Building the graphic device in Photoshop for digital applications requires a different methodology. Please refer to page 30 for details and specifications.

Graphic device specifications

Access the Gradient Feather dialog box in InDesign by navigating to the menu bar and selecting Object > Effects > Gradient Feather.

‡ Location of the left-hand gradient stop is variable: the gradient feather start point is flush to the left edge of the headline inside the graphic element. See page 22 for details.

Gradient feather specifications

Opacity: 100% Location: 10%‡

Opacity: 85%

Location: 45%

The graphic device should be filled with UB Tan set to a 30% tint.

Fill of UB Tan* with a 30% tint. Gradient Feather applied to tan element.

An identically sized element is exactly underneath tan element. A fill of “paper” (i.e., white) and a transparency of 40% is applied.†UB Red: 100%

Graphic device components

Left edges of tan element and underlying element with “paper” fill are flush to right edge of red bar.

* For the Gradient Feather effect to print accurately, UB Tan must print as four-color process. Do not use a spot color for UB Tan. The preferred method of printing this color is always four-color process.

† It is essential to construct the graphic device with the underlying ”white“ element. Failure to do so will result in the graphic device not reproducing properly.


Adjusting the tint of the graphic device

The translucent box of the graphic device is generally filled with a 30% tint of UB Tan. There are two exceptions to this:

Duratrans (backlit)

• Use a 75% tint of UB Tan.

• The underlying white box should have a fill of “paper” and a transparency of 95% applied.

• If there is not an image underneath the graphic device, turn off the gradient feather effect for the top level object.

Outdoor

• Use a 35% tint of UB Tan.

• All other specifications (i.e., underlying white box, gradient feather) remain unchanged.

Adjusting the graphic device for black and white usage

When an ad or similar deliverable is done in black and white, use the following settings for the graphic device:

Graphic device specifications (continued)

Fill of black with a 10% tint. Gradient Feather applied to gray element.

An identically sized element is exactly underneath gray element. A fill of “paper” (i.e., white) and a transparency of 60% is applied.

UB Gray: 80% (K64)

Left edges of 10% gray element and underlying element with “paper” fill are flush to right edge of vertical bar.

The graphic device should be filled with a 10% tint of black.


Graphic device usage

• The space to the right of the text should be a minimum of two cap heights (2X).

• Some layouts may require additional space to the right of the text.

• It is recommended to keep headlines to three lines or fewer.

• The width of the red vertical bar should equal ⅓ to ½ of the height of the capital letters used in the headline.

• When placed inside the graphic device, the Line of Business identifier should be one cap (1X) height below the headline.

• When placed outside the graphic device, the Line of Business identifier should be one cap height (1X) above the graphic device.

Using the graphic device with type

The graphic device will most often contain headlines or other prominent messaging. To ensure optimal legibility, sufficient space must be left surrounding the copy.

• The space above and below the type should be one cap height (1X) but can be as much as two cap heights (2X). The space above and below the type is equal, which means the type is always vertically centered within the graphic device.

• The space to the left of the headline is at least one cap height (1X) but can be as much as two cap heights (2X).

Headline example

X = Cap height

X = Cap height

Graphik Light Headline



1–2X

1–2X

1–2X

2X (or more)

Headline example with a Line of Business identifier inside the graphic device

1X

1–2X

2X (or more)


Graphik Light HeadlineP R I O R I T Y B A N K I N G

Headline example with a Line of Business identifier outside the graphic device

P R I O R I T Y B A N K I N G P R I O R I T Y B A N K I N G

1X

2X (or more)

X = Cap height Graphik Light

Headline Graphik Light Headline

1–2X

1–2X

1–2X⅓X–½X

1–2X⅓X–½X

1–2X⅓X–½X


Graphic device usage (continued)

Using the graphic device within a campaign

Within a campaign the graphic device should be the same size in all similarly sized elements. For example, if a merchandising campaign has multiple versions of 11 x 17" posters, 6 x 4" postcards, and 8½ x1 1" flyers, there would be one size of the graphic device used in all the posters, another size used in all the postcards, and another size used in all the flyers.

As shown below, while the size of the graphic device will remain the same within similarly sized elements, the headline needs to be adjusted in size to visually fill the space.

• Every graphic device in similarly sized elements must be the same size.

• Ideally, you would first construct the graphic device to contain the longest headline. This enables you to determine the size of the Line of Business identifier, the size of the red bar, and the margins within the graphic device.

• The red bar within the graphic device in similarly sized elements must be the same size.

• The Line of Business identifier must be the same size throughout.

• The space above the Line of Business Identifier should be visually consistent across all instances of the graphic device, as shown below.

• Maintain the same spacing to the left of the text for each graphic device.

• All versions are centered vertically within the graphic device.


Graphic devices across commonly sized elements

Graphic changes L I N E O F B U S I N E S S I D E N T I F I E R

Graphic devices across commonly sized elements are all the same sizeL I N E O F B U S I N E S S I D E N T I F I E R

Headline sizes change depending on contentL I N E O F B U S I N E S S I D E N T I F I E R






unionbank.com



Using the graphic device with photography

Our graphic device is often used with photography, but we have specific guidance to help you use it most impactfully.

• The graphic device should be positioned asymmetrically over photography, allowing part of the image to show through the translucent portion of the graphic device.

• Care should be taken to make sure that the cropped edges of photography do not inhibit the legibility of headlines within the graphic device.

• Avoid symmetrical placement of the graphic device. For example, the center point of a graphic device should never be aligned directly to an edge of an underlying photo.


Advertising example

Asymmetric positioning of graphic device

Asymmetric positioning of graphic device


Adjusting the graphic device

There are two adjustments that can be made to the graphic device: one regarding the start point of the gradient feather in relation to where the headline or content of the graphic device starts, and the other regarding the tonal values of the element that appears under the graphic device.

Adjusting the starting point of the gradient feather The left-hand starting point of the gradient feather should align with the left edge of the headline/content within the graphic device. The default location is 10%. To be precise, use the mathematical formula described below.

Adjusting the opacity of the gradient feather Depending on the tonal values of the element under the graphic device, it may be necessary to adjust the opacity of the gradient feather.

• Only make adjustments to the opacity of the right-hand gradient stop.

• When the graphic device appears over photography that contains more intricate detail, the right-hand gradient stop can be adjusted to an opacity of 80%–85%.

• When the graphic device appears over photography with a lighter tone, the right-hand gradient stop can be adjusted to an opacity of 80%–85%.

• When the graphic device appears over darker photography, the right-hand gradient stop can be adjusted to an opacity of 90%–95%.


Lighter photography background

Opacity: 100% Location: 10%*

Opacity: 80–85%Location: 45%

Opacity: 100% Location: 10%*

Opacity: 90–95%Location: 45%

Location: 8%

A strong communitystarts with a strong bank

Darker photography backgroundRight-hand gradient stop opacity: 90%–95%

Next order of business: own the building B U S I N E S S B A N K I N G

Location of the left-hand gradient stop is variable: the gradient feather start point is flush to the left edge of the headline inside the graphic element.

1. Measure the width of the UB Tan object (in this example: 3.1189").

2. Measure space between right edge of red bar and left edge of headline (in this example: .2478").

3. Divide this smaller number by the overall width of the UB Tan object (.2478 divided by 3.1189 = .0794510885248).

4. Multiply this number by 100 (0.0794510885248 x 100 = 7.94510885248), and then round up or down as appropriate (in this example, 7.94510885248 becomes 8%). This is the percentage that should be used to position the left-hand gradient stop.

Adjust left-hand gradient stop so it aligns with the left edge of the headline

.2478"3.1189"




Graphic device placement and layout alternatives

Certain circumstances do not support the graphic device originating on the left edge of a piece. In such cases, we do not want to lessen the impact of the red bar as the focus point that it is intended to be. For example, an ad that appears on a right-hand page could result in the red bar getting lost in the gutter. Or a poster may be mounted within a frame that could potentially cover a part of the red focus bar.

In these and similar cases, you have two layout options available, as shown below.

Option A

Graphic device bleeds off right side of document.

Option B

The red focus bar can be a standalone element, anchored to the headline within the Union Bank Tan background.

Lorem ipsum dolor sit amet, id has solum contentiones, ei dico place rat explicari mei, te modus utamur vituperata sit. Sea tation omnesque ne, meis dictas melius ea est. No vis appareat recusabo contentiones.

Ei vidisse persequeris nam. Eum no altera veritus, eros evertitur cum te. Eam ne graecis persecuti, his et quodsi sadipscing.

©2015 MUFG Union Bank, N.A. All rights reserved.

Next order of business:own the buildingB U S I N E S S B A N K I N G

©2015 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.

Together, we’ll find the answer.

L I F E D E C I S I O N # 1 1

“ Will my money last as long as I do?”

8912920A 8912920B 8912920C

©2015 MUFG Union Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.Union Bank is a registered trademark and brand name for MUFG Union Bank, N.A. All rights reserved. 8912932 (04/15)

FOR INTERNAL USE ONLY

How do I live this purpose statement in my role?

Enriching people’s lives by shaping a better future.

Layout strategy


Choosing appropriate imagery

When selecting imagery, the most important consideration is the target audience. Choosing images that connect the layout to key themes of the communication will ensure message comprehension. Here are some other key factors in choosing imagery:

• The people used in our photography should represent a range of ages and ethnicities. Commercial and business Lines of Business should show professional, well-dressed subjects. Retail Lines of Business may use more casually dressed people, but they should still be neatly attired.

• The overall image color should be light in tone and have a modern feel.

• When appropriate, use images that signal our modern world of mobile work and banking (e.g., showing laptops and smartphones). This aspirational approach shows that Union Bank is connected to the future of banking and financial services.

• Situational photography should be natural looking and not posed.

• When showing business environments, consider two approaches: people in business situations where the focus is on the people and business environments where people may be in the image but are not the main focus (e.g., architecture shots).

• Photography is usually the most engaging and visually compelling component in any communications piece. It is important to remember that consistency in photo selection will ensure the visual stability of our system.

Examples of Union Bank audience–appropriate imagery

Image strategy


DigitalBanner ads and tile ads

The Union Bank website contains elements that need to be updated and refreshed on a regular basis. The content areas that this guide addresses are the banner and tile ads, as shown below.

The call-outs on the following pages provide the specifics as to how to build these important elements.

Hero page banner ad

Hero page tile ads

Product page banner ad

Product page tile ads


Digital (continued)

Hero page banner ad specifications

*Please see page 19 for additional specifications on building the graphic device. Included on page 19 are formulas for headline size, the width of the red bar, etc. The specifications shown here are a guide and subject to change based on the overall size of the final piece and the size of the graphic device. Take care to keep the size of the headline consistent with the look and feel of what’s shown here.

†Leading may be increased for the headline should there be ascenders and descenders that are clashing. An example of this is in the three-line headline. Without the descender in the second line and the ascender in the third line, the leading of this example could’ve been reduced to 28.

Overall size is 860 x 260px

Sign-on area: 178 x 260px. Sign-on area content is reserved for the web team.

Image area is 342 x 260px

Red Bar* – UB Red (R230 G0 B0—E60000) – Size is 9 x 118px*

25px margins on either side of photo’s right edge (x2)

Entity Name (LOB) – 10.5pt Graphik Regular (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Tracking: 400 – Vertically center in white space

For 2-line headlines:* – 40/38.5† Graphik Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in graphic device

Navigation dots: – 13px round – Active page dot is black (R0G0B0—00000)

– Secondary dots are gray (R128 G128 B128—808080)

– Spaced 6px apart – Vertically centered in white space

Right-hand dot starts 12px from right edge

White space is 35px high

Graphic device: – See page 30 for details on how to build

the background color with gradient – Size shown here is 362 x 118px

– Height of graphic device can vary based on headline length and amount of body copy

– Graphic device can be moved up or down based on copy and image placement. However, it cannot go in a corner, i.e., the very top or bottom of the banner ad.

– Maximum height of graphic device is 190px – Do not obstruct the focal point of the image

Body copy: – 14/16 Graphik Regular (Sharp) – UB Gray (R90 G90 B90—5A5A5A)

Learn More button: – 11.5 Graphik Medium (Sharp)

Arrow is Wingdings 3 Regular – White type (R255 G255 B255—FFFFFF)

– Type is vertically centered in red button – Button is UB Red (R230 G0 B0—E60000)

Equal space between elements (20px)

For banners with a white background only: 1px gray border (R153 G153 B153—999999) extends from left edge of sign-on area to right edge of banner. Border color matches the background color of the sign-on area.

For 3-line headlines:* – 30/32† Graphik Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in graphic device



Digital (continued)

Product page banner ad specifications



Red Bar* – UB Red (R230 G0 B0—E60000) – Size is 8 x 118px

20px margins on either side of photo’s right edge (x2)

Entity Name (LOB) – 9.5pt Graphik Regular (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Tracking: 400 – Vertically centered in white space


Graphic device – See page 30 for details on how to build


– Height of graphic device is variable depending on headline length and amount of body copy



For 2-line headlines:* – 28/27† Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in graphic device


Body copy: – 13.5/15.5 Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in white space

For 3-line headlines:* – 20/21† Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in graphic device

For banners with a white background only: 1px gray border (R153 G153 B153—999999)

*Please see page 19 for additional specifications on building the graphic device. Included on page 19 are formulas for headline size, the width of the red bar, etc. The specifications shown here are a guide and subject to change based on the overall size of the final piece and the size of the graphic device. Take care to keep the size of the headline consistent with the look and feel of what’s shown here.

†Leading may be increased for the headline should there be ascenders and descenders that are clashing. An example of this is in the three-line headline. Without the descender in the second line and the ascender in the third line, the leading of this example could’ve been reduced to 19.


Digital (continued)

Sign-off banner ad specifications: option 1



Red Bar – UB Red (R230 G0 B0—E60000) – Size is 8 x 104px

18px margin (x2)

Entity Name (LOB) – 9.5pt Graphik Regular (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Tracking: 400 – Vertically centered in white space



Graphic device – See page 30 for details on how to build





For 3-line headlines: – 26/27* Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in graphic device

Body copy: – 13.5/15.5 Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in white space

Learn More button: – 11.5 Graphik Regular (Sharp)


– Type is vertically centered in red button – Button is UB Red (R230 G0 B0—E60000)

Space is 14px


*Use the type specifications provided here as a guide. The length of a given headline will help make a final determination as to headline size. Take care to keep the size of the headline consistent with the look and feel of what’s shown here.

Leading may be increased for the headline should there be ascenders and descenders that are clashing.


Digital (continued)

Sign-off banner ad specifications: option 2



Red Bar – UB Red (R230 G0 B0—E60000) – Size is 8 x 73px


Graphic device – R240 G232 B215—F0E8D7

(this is a match of a 35% tint of UB Tan) – Size shown here is 202 x 73px

– See page 30 for details on how to build the background color with gradient



For 2-line headlines: – 26/27* Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in graphic device

Body copy: – 13/15 Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A) – Vertically centered in white space

Learn More button: – 11.5 Graphik Regular (Sharp)


– Type is vertically centered in red button – Button is UB Red (R230 G0 B0—E60000) – Bottom edge of button aligns with

baseline of body copy

Space is 14px


*Use the type specifications provided here as a guide. The length of a given headline will help make a final determination as to headline size. Take care to keep the size of the headline consistent with the look and feel of what’s shown here.

Leading may be increased for the headline should there be ascenders and descenders that are clashing.


Digital (continued)

Creating the graphic device in Photoshop

To create the graphic device in Photoshop a gradient is used in place of the Feather Gradient effect used within InDesign. Use the following steps and settings in Photoshop after selecting the gradient tool:

Set your foreground color to: R240 G232 B215—F0E8D7 (this is a match of a 35% tint of UB Tan)

Select the Gradient tool and choose the Foreground to Transparent preset

The foreground color must be set as detailed above

Opacity of this stop is 100% Location of this stop is 10%

Location of this stop is 10%


Opacity of this stop is 85% Location of this stop is 100%


On its own layer, draw a marquee that defines the area you want to fill with the Graphic Device gradient. Drag the gradient tool from left to right across the width of the marquee.


Digital (continued)

Tile ad specifications

Overall size is 224 x 100px (first example is shown at 200% of actual size)

18px left side margin

14px top margin

Headline: – 20/20 Graphik Extra Light (Sharp) – UB Gray (R90 G90 B90—5A5A5A)

Space after headline is 4 points

Body copy: – 13/15 Graphik Regular (Sharp) – UB Gray (R90 G90 B90—5A5A5A)

More button: – Button is 55 x 21px – Type is 11.5 Graphik Regular (Sharp)

Arrow is Wingdings 3 Regular – White type (R255 G255 B255—ffffff)

10px bottom margin

6px right margin

Background color option 1 • R240 G232 B215—F0E8D7

Background color option 2• R148 G148 B148—949494

Note that type is white when using this background

Background color option 3• R255 G255 B255—FFFFFF

• For banners with a white background only: 1px gray border (R153 G153 B153—999999)

Background color option 4• R220 G220 B220—DCDCDC

Background colors can be used as follows:

• Colors can be combined as desired, except do not use two of the same colors together on the same page

• Use the dark gray version (color option 2, above) only on secondary pages (not on home or landing pages)

• Do not use dark gray version immediately after the “Get Started Now” box as they are the same color


Union Bank Investment Services (UBIS)Not all of the services provided by Union Bank fall under the Union Bank brand. One example is Union Bank Investment Services (UBIS). This sub-brand is distinct from the Union Bank brand but still closely aligned to the Union Bank look and feel.

This is accomplished by maintaining the majority of Union Bank brand standards. We selectively change the colors of certain elements

and type styles. We also choose photography that better reflects the UBIS audience. These changes, along with the inclusion of a dual-brand logo lockup, create a look that is both unique to UBIS and an obvious part of the Union Bank family of brands.






















Investments that are good for you, your business, and your employees

I N V E S T M E N T S O L U T I O N S




















Line of Business identifier changes

Vertical bar changes from UB Red (PMS 1797) to UB Blue (PMS 2738)

Level 2 subheads change from UB Red (PMS 1797) to UB Blue (PMS 2738)

Either the UBIS logo alone can be used or the dual UBIS / Union Bank logo lockup can be used. When the dual logo is required, the size of the logo remains the same (41.5% of original) as when using the single logo.

Union Bank branding UBIS branding

Examples of UBIS-branded offering identifiers

Example of Union Bank / UBIS logo lockup

B U S I N E S S R E T I R E M E N T S O L U T I O N S

R E T I R E M E N T S O L U T I O N S

I N V E S T M E N T S O L U T I O N S

I N S U R A N C E S O L U T I O N S*

M A N A G E D A C C O U N T S O L U T I O N S

M A R K E T - L I N K E D C D S

*Used with the UnionBanc Insurance Services logo.


Examples

Now that you understand the elements that make up our brand, let’s look at how it comes to life in specific examples. These illustrative images should serve as a starting point and an inspiration for what you create.



Brochure

We’ve invested in your business for years

L A B O R M A N A G E M E N T


Rack brochure

Overdraft Services

For more account information and terms and conditions governing our deposit accounts, see our applicable Simply Stated Product Guide, All About Personal Accounts & Services Disclosure and Agreement and Personal Accounts Fee Schedule.

1 Federal regulation limits certain types of withdrawals or transfers from your savings or money market account (including online/telephone transfers and Deposit Overdraft Protection transfers) to a maximum of 6 each monthly statement period (money market accounts) or calendar month (savings accounts or money market accounts when the statement period date was requested on a specific day). Union Bank will charge a $15 Excess Activity Charge for each transfer exceeding the limits. If you exceed these limits, the Bank is required to close your account or convert your account to one not subject to transfer limitations. If your account is closed or converted due to excessive activity, you will not be able to open another Union Bank savings and/or money market account for 12 months from the time the account is closed or converted.

2 Subject to credit approval. Certain fees and other terms and conditions apply and are subject to change. See our Cash Reserve Account Agreement and Disclosure Statement.

3 Credit cards are issued and serviced by First Bankcard,® a division of First National Bank of Omaha.

4 Please refer to the terms and conditions of your credit card account for your APR. Advances are in $50 increments with interest beginning on the day of advance.

5 Enrollment is not guaranteed, and Union Bank reserves the right not to pay if your account is not in good standing. Authorization or payment of an Item or transaction is always at the Bank’s discretion. The dollar amount we may authorize or pay under any Overdraft Coverage service is subject to change daily without prior notice to you.

6 You are expected to pay back any overdrafts immediately. If you overdraw your account and do not deposit funds to cover the overdraft by the seventh calendar day your account has been continuously overdrawn, we will charge a Continued Overdraft Fee of $6 per Business Day, starting on the seventh calendar day of the overdraft. We will charge this fee for each Business Day that the account remains overdrawn, for up to five Business Days and a maximum of $30 for each period of continued overdraft.

7 The following accounts are not eligible for both Standard Overdraft Coverage and Debit Card Overdraft Coverage: savings accounts, Electronic Transfer Accounts (ETASM), Union Bank Access Account, Teen Access® accounts, and accounts linked with a Cash Reserve Account or Union Bank credit card. Accounts opened through the California Account or Pacific Rim Company Benefits Programs are not automatically enrolled.

8 Mobile Banking is offered as a service with Union Bank Online Banking. You may incur charges assessed by your service provider for text alerts. Message and data rates may apply.

You can choose from two types of overdraft services for your personal account(s): Overdraft Protection or Overdraft Coverage. In general, services that protect you against overdrafts (Overdraft Protection) are less costly than services that may cover you for a single overdraft (Overdraft Coverage).

• With Overdraft Protection services, we will automatically move funds from your eligible deposit account or credit line to cover the transaction. An overdraft is avoided and there is a single fee each day a transfer is made—no matter how many items were paid.

• With Overdraft Coverage services, Union Bank® may cover your transactions and charge you a fee for each item covered. In some cases you may still be charged the fee even if your transaction wasn’t covered. It’s also possible that the person or company you were trying to pay may charge you additional fees.

Union Bank off ers overdraft services that may be right for you

©2016 MUFG Union Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. Union Bank is a registered trademark and brand name ofMUFG Union Bank, N.A. unionbank.com 8910240-CAOR (01/16)

Know these important factsYou can cancel Standard Overdraft Coverage or Debit Card Overdraft Coverage at any time by calling 800-238-4486. But remember that if you cancel Standard Overdraft Coverage and have not enrolled in an Overdraft Protection service, the following will happen:

• If you have Debit Card Overdraft Coverage, it will be cancelled automatically and we will decline ATM withdrawals and one-time ATM or debit card purchases if you do not have enough funds in your account

• If you become overdrawn, we will return checks, automatic bill payments, and recurring debit card payments.

• If items are returned, you will be charged Overdraft Fees and could also be charged fees by the merchant.

Avoiding overdraftsThe simplest and best way to avoid Overdraft Fees is to keep track of your balance.

Smart tips to help you stay on top of your balance 1. Keep your check register up to date and

remember to record electronic transactions.

2. Don’t forget automatic bill payments.

3. Be aware of temporary deposit holds.

4. Take into account any transactions that haven’t cleared yet.

Manage your account 24/7Our Online Banking and Mobile Banking services help you keep track of your balance, anytime and anywhere. Text or email alerts will notify you when:

• Your balance drops below a pre-determined dollar amount.

• Your account is overdrawn.• An Overdraft Protection transfer has occurred.

Using simple text commands from your mobile phone, you can also check your balance and transfer funds to your checking account whenever—and virtually wherever—you are without the need to log in.8

To enroll in these services, visit unionbank.com/onlinebanking. Of course, you can call us at 800-238-4486 to check your balance 24 hours a day, 7 days a week.

Questions? Just ask.Visit unionbank.com to learn more about signing up for Union Bank Overdraft Protection.

Call 800-238-4486, 7:00 a.m. to 9:00 p.m. Monday–Friday, 8:00 a.m. to 5:00 p.m. Saturday.

Find a Union Bank location near you at unionbank.com (from your computer or mobile phone) using the Find Locations tool.

Compare Union Bank overdraft services Union Bank provides several services for Overdraft Protection and Overdraft Coverage to help you avoid returned items and other added fees.

Overdraft Protection More control. May have lower total cost.

Overdraft Coverage No annual fee.

Service Deposit Overdraft Protection

Credit Overdraft Protection

Standard Overdraft Coverage

Debit CardOverdraft Coverage

How it works We will move funds from your eligible deposit account or line of credit below to your checking account to cover transactions when you don’t have enough money in your account.

We may cover eligible transactions when you don’t have enough money in your eligible deposit account(s) below.

Eligible accounts

• Checking accounts• Money market accounts• Savings accounts

• Cash Reserve Account2

• Union Bank credit card3

• Checking accounts• Money market accounts

What it costs • $0 annual fee• $10 per day Transfer Fee• $15 Excess Activity

Charge1

• $12 annual fee• $10 per day

Advance Fee• 18% Annual Percentage Rate (APR) finance charge until the funds Advance is paid in full2


Overdraft Advance Fee

• Purchase APR on the credit card4

• $0 annual fee• $33 Overdraft Fee per

Item we pay or return (daily maximum $165)5

• Additional fees of up to $306

• $0 annual fee• $33 Overdraft Fee

per Item we pay with this service (daily maximum $165)5


• No fee for rejected ATM or debit card transactions

Eligible transactions

• Checks• Automatic/

recurring debits• Online bill payments• ATM withdrawals• Debit card purchases


recurring debits• Online bill

payments• ATM withdrawals• Debit card

purchases



payments

• Checks• Automatic/recurring

debits• Online bill payments

• ATM withdrawals• One-time ATM or

debit card purchases

How to enroll You must enroll your designated accounts.

You must apply for a Cash Reserve Account (subject to credit approval).2

You must apply for a credit card (subject to credit approval).3

You may beautomatically enrolled approximately 30calendar days after the date you open your account.5,7

You must enroll and also have Standard Overdraft Coverage.5,7

Overdraft Services















Know these important factsYou can cancel Standard Overdraft Coverage or Debit Card Overdraft Coverage at any time by calling 800-238-4486. But remember that if you cancel Standard Overdraft Coverage and have not enrolled in an Overdraft Protection service, the following will happen:

• If you have Debit Card Overdraft Coverage, it will be cancelled automatically and we will decline ATM withdrawals and one-time ATM or debit card purchases if you do not have enough funds in your account

• If you become overdrawn, we will return checks, automatic bill payments, and recurring debit card payments.

• If items are returned, you will be charged Overdraft Fees and could also be charged fees by the merchant.

Avoiding overdraftsThe simplest and best way to avoid Overdraft Fees is to keep track of your balance.

Smart tips to help you stay on top of your balance 1. Keep your check register up to date and

remember to record electronic transactions.

2. Don’t forget automatic bill payments.

3. Be aware of temporary deposit holds.

4. Take into account any transactions that haven’t cleared yet.

Manage your account 24/7Our Online Banking and Mobile Banking services help you keep track of your balance, anytime and anywhere. Text or email alerts will notify you when:

• Your balance drops below a pre-determined dollar amount.

• Your account is overdrawn.• An Overdraft Protection transfer has occurred.

Using simple text commands from your mobile phone, you can also check your balance and transfer funds to your checking account whenever—and virtually wherever—you are without the need to log in.8

To enroll in these services, visit unionbank.com/onlinebanking. Of course, you can call us at 800-238-4486 to check your balance 24 hours a day, 7 days a week.

Questions? Just ask.Visit unionbank.com to learn more about signing up for Union Bank Overdraft Protection.

Call 800-238-4486, 7:00 a.m. to 9:00 p.m. Monday–Friday, 8:00 a.m. to 5:00 p.m. Saturday.

Find a Union Bank location near you at unionbank.com (from your computer or mobile phone) using the Find Locations tool.

Compare Union Bank overdraft services Union Bank provides several services for Overdraft Protection and Overdraft Coverage to help you avoid returned items and other added fees.

Overdraft Protection More control. May have lower total cost.

Overdraft Coverage No annual fee.

Service Deposit Overdraft Protection

Credit Overdraft Protection

Standard Overdraft Coverage

Debit CardOverdraft Coverage

How it works We will move funds from your eligible deposit account or line of credit below to your checking account to cover transactions when you don’t have enough money in your account.

We may cover eligible transactions when you don’t have enough money in your eligible deposit account(s) below.

Eligible accounts

• Checking accounts• Money market accounts• Savings accounts

• Cash Reserve Account2

• Union Bank credit card3

• Checking accounts• Money market accounts

What it costs • $0 annual fee• $10 per day Transfer Fee• $15 Excess Activity

Charge1


Advance Fee• 18% Annual Percentage Rate (APR) finance charge until the funds Advance is paid in full2


Overdraft Advance Fee

• Purchase APR on the credit card4

• $0 annual fee• $33 Overdraft Fee per

Item we pay or return (daily maximum $165)5


• $0 annual fee• $33 Overdraft Fee

per Item we pay with this service (daily maximum $165)5


• No fee for rejected ATM or debit card transactions

Eligible transactions


recurring debits• Online bill payments• ATM withdrawals• Debit card purchases



payments• ATM withdrawals• Debit card

purchases



payments

• Checks• Automatic/recurring

debits• Online bill payments

• ATM withdrawals• One-time ATM or

debit card purchases

How to enroll You must enroll your designated accounts.

You must apply for a Cash Reserve Account (subject to credit approval).2

You must apply for a credit card (subject to credit approval).3

You may beautomatically enrolled approximately 30calendar days after the date you open your account.5,7

You must enroll and also have Standard Overdraft Coverage.5,7

Overdraft Services















Rack brochures should tell the story of the offering—leading with the possibilities and supporting it with proof points of the product. Remember that this piece will be in-branch or, at least, in context, so you don’t need to be overly descriptive in headlines and visuals. Instead, aim to capture our tonality and achieve intrigue.


FlyerFlyers for Union Bank should aim to communicate information and opportunity. They can’t convey everything, however, so think about limited, thoughtful text and lots of white space. Foster feelings of optimism, appreciation, and encouragement. Talk about the themes from our messaging—strength from discipline, dynamic relationships, and propelling positive change—and balance them with the purely functional benefits of the checking account.

Verbal guidance

1. Headline: In headlines we should lead with propelling positive change and catch clients’ attention upfront with possibility. We don’t use end punctuation for Union Bank headlines, but feel free to add an em dash to build rhythm.

2. Rest of flyer: Make sure to visually break apart the points you’re making, and section the copy accordingly. Use bullets and section headlines, and incorporate photography to support specific points. All flyers should include a clear call-to-action so customers know where to go next.

1

2






















.625 in.

.325 in.

.625 in.

.625 in.

.875 in.


In the limited space available in print ads, we aim to communicate in a functional and efficient manner. That doesn’t mean that the ad should feel rigid; our identity calls for inspiring, expansive language and visuals, so make sure you leave customers feeling optimistic, appreciated, and encouraged.

Print ad

Verbal guidance

1. Headline: Headlines should feel uplifting. References to opening doors, expansive opportunity, and potential for tomorrow are a place to start.

2. Rest of page: We should use the body copy to really connect to customers by sharing evidence that we understand who they are. We also have the opportunity to explain the benefits Union Bank has to offer.

Primary layout

1

2





unionbank.com



union bank brand quick guide

Documents