Plan for your future with smart investing strategies

The earlier you start planning your future, the better off you may

be. That’s why UBOC (Union Bank of California) Investment Services,

Inc. has a wide range of investment strategies and opportunities

available today that strive to help you reach your goals tomorrow.

* Identify your financial goals. Your Senior Investment Specialist

will sit down with you and review your needs for liquidity, current

income, capital appreciation, tax benefits and more. We’ll work with

you to create an investment plan tailored to your individual

requirements.

* Make your investment choices. You can build or expand your

portfolio by choosing from a broad range of investment opportunities,

including:

Asset Allocation Program - Our professionally managed Lifetime

AdvantageSM program is designed to help busy people achieve their

investment goals. You can implement your asset allocation strategy

with a single investment decision and get the added benefits of

diversification, experienced management and personal service.

Mutual Funds - Hundreds of professionally managed mutual funds

from some of the industry’s best known fund families are available to

you.

Fixed Income Securities - We offer a large range of these

generally stable, lower risk investments.

Equities - You can invest in equities listed on major exchanges.

Tax-Deferred Annuities - These allow you to take full advantage of

the asset building power of tax deferral.

Insurance - We also provide products and services to help you

protect your assets.

* Set Your Investment Strategy.

To help you implement the best investment strategy for your needs,

you can consider a number of our special investing plans and

accounts.

Retirement Plans - We offer a broad range of self-directed

retirement solutions including Traditional IRAs, Roth IRAs, Rollover

IRAs and SEPs.

Portfolio Connection - This “all-in-one” account lets you

consolidate your banking and investing activities in one

easy-to-manage package. You also get a comprehensive account

statement covering your banking and investing transactions.

* Access Information and Get Assistance.

We offer three ways to help you meet your investment goals: a

personal consultation with an experienced, licensed professional;

online through invest@home; and by phone through our automated

TELinvest service.

* Private Banking and Personal Trust from Union Bank of

California.

Union Bank of California brings together a wide range of fiduciary

and asset management resources to offer you a comprehensive package

of trust and investment services for the individual. We can assist in

the following areas:

Private Banking - The Private Bank has developed an exclusive list

of integrated financial services to serve the needs of the affluent.

Equally as important, we have brought together a team of banking

experts who can offer a high level of expertise. As a result, The

Private Bank offers many distinct advantages to a select group of

affluent clients such as:

- A dedicated Private Banker with the ability to tailor a

financial program to meet individual needs, to marshal all the

resources of UBOC for the completion of personal goals, and to

streamline banking and credit services.

- Comprehensive strategic investment planning to assist you with

the preservation and growth of assets.

- Personalized investment management.

- Retirement and estate planning assistance in cooperation with

your tax and legal advisors.

Managing Investments & Personal Trusts - Acting as your partner,

we offer a complete range of investment and estate planning services

and use our investment expertise to provide for your current income

needs and your long-term financial growth. In addition, we are

qualified to take on complex assets such as real estate and closely

held investments. For even greater convenience, we administer all

accounts locally.

* Estate Administration.

Our estate administration experts can handle many of the

day-to-day details for you, ensuring that everything is done in an

expeditious and timely manner so that delays and unnecessary

complications are less likely to occur.

* Charitable Trust Services.

It is very difficult to simply give money away today, considering

the scope of estate laws and their tax implications. So if you are

planning a charitable trust, or if you run a not-for-profit

organization, you can benefit from the financial experts at Union

Bank of California.

The investments are made available through UBOC Investment

Services, Inc.:

* are NOT bank deposits

* are NOT obligations of, or guaranteed by, any bank, UBOC

Investment Services, Inc., or any subsidiary or affiliate

* are NOT insured or guaranteed by the FDIC or by any other

government agency

* involve investment risk, including the possible loss of

principal

* in the case of annuities, are a product of and offered

exclusively by the insurance industry.

UBOC Investment Services, Inc. is a registered broker-dealer,

investment advisor, member of the NASD/SIPC, and a wholly owned

subsidiary of Union Bank of California, N.A.

For those investments allocated to a money market fund, it is

fundamental policy to use every effort to maintain a stable net asset

value of $1.00. Although the fund seeks to preserve the value of your

investment at $1.00 per share, it is possible to lose money by

investing in the fund.

Article submitted by Union Bank of California Superior Branch.