UNION BANK AUTOMATIC PAYMENT AUTHORIZATION

1 UNION BANK AUTOMATIC PAYMENT AUTHORIZATIONI authorize UNION Bank to make monthly payments to UNION Bank in connection with my loan accountdescribed below ("Loan"), by automatically transferring funds each month from the deposit account identifiedbelow (the "Bank Account"). Each PAYMENT automatically deducted from the Bank Account is called an" AUTOMATIC PAYMENT ." Each AUTOMATIC PAYMENT will be made on the due date and in the amount shown onmy monthly billing statement. TO: MUFG UNION Bank, , CHECKING Account Number #Routing #The following Terms and Conditions govern this AUTOMATIC PAYMENT AUTHORIZATION :If the AUTOMATIC PAYMENT will be made from an account that is not a UNION Bank account, I am attaching avoided check for the Bank Account (For Consumer Accounts Only).

2 SAVINGS ( UNION Bank Deposit Account, only)#Page 1 of 2 Autopay AuthorizationU137 Wolters Kluwer Financial Services - Bankers Systems * Form UB-APA 09/14/2017UB4002 (09/2017) have the authority to authorize payments from the Bank AUTHORIZATION will be effective only if my Loan is current at the time that this AUTHORIZATION isreceived and processed by UNION UNION Bank processes this AUTHORIZATION , it will mail me a confirmation (or rejection). Theconfirmation will specify the date of the first scheduled AUTOMATIC PAYMENT . I will confirm that allinformation in the confirmation is accurate, and will notify UNION Bank immediately if any information inthe confirmation is an AUTOMATIC PAYMENT is returned unpaid, then my Loan PAYMENT will not have been made.

3 If I do notmake that Loan PAYMENT , I may incur a late fee in accordance with the terms of my AUTHORIZATION will remain in effect until cancelled in writing by the financial institution that holds theBank Account (the "Bank"), MUFG UNION Bank, , or me, or at such time as either my Loan or theBank Account is closed. My written notice of cancellation must be received at a UNION Bank office insufficient time and in such manner as to allow UNION Bank reasonable opportunity to act upon understand that if the Bank Account is not a UNION Bank account, my Bank may impose additional feesor charges as a result of the AUTOMATIC monthly PAYMENT on any portion of my Loan that is subject to a variable interest rate is subject tochange from month to month.

4 The amount of my AUTOMATIC PAYMENT will change if the PAYMENT amountchanges. As a result, the AUTOMATIC PAYMENT amount might vary from month to month. UNION Bankwill notify me of the amount on the periodic billing a Loan PAYMENT falls due on a Saturday, Sunday or holiday, the AUTOMATIC PAYMENT will be made onthe first business day PAYMENT will be credited to LOAN # PAYMENT Date: PAYMENT will be made on the day of each month, or the first business day thereafter. Variable Rate Plan: payments will be a variable amount which will equal the minimum monthly paymentrequired by the due date on my monthly Rate Option Plan: PAYMENT will be the loan's monthly fixed PAYMENT AUTHORIZATION is for the total minimum monthly PAYMENT due on both the Variable Rate Plan and any FixedRate Option Name.

5 Page 2 of 2 Autopay AuthorizationU137 Wolters Kluwer Financial Services - Bankers Systems * Form UB-APA 01/17/2018UB4002 (09/2017) monthly payments on my Loan will not repay the principal that is outstanding on the Loan as of thematurity date, I will be required to pay the entire outstanding balance in my final PAYMENT on thematurity date of the Loan. This is called a "balloon PAYMENT ." UNION Bank will not initiate an AutomaticPayment to cover a balloon PAYMENT . I will be responsible for making the balloon PAYMENT Bank may, at its discretion, refuse to make any deduction to my Bank Account that will reduce theBank Account balance to less than $ following applies only if my Loan is a FlexEquity Line of Credit Account or Real Estate Line of CreditAccount, and I represented to UNION Bank that I would use the proceeds of my Loan primarily forpersonal, family, or household purposes:My outstanding Loan balance is eligible for a interestrate reduction when my payments are made via AUTOMATIC PAYMENT from a UNION Bank checking orsavings account.

6 However, notwithstanding the preceding sentence, Variable Rate Plan balances on myFlexEquity Line of Credit Account or Real Estate Line of Credit Account opened on or before 9/10/12 arenot eligible for the rate reduction. If payments cease to be made by AUTOMATIC PAYMENT (regardless of whether you or we cancel the AUTOMATIC PAYMENT option), the previously reduced interestrate will be increased by This will result in a corresponding increase in the Annual PercentageRate for the affected balance and corresponding increase in my monthly ACKNOWLEDGMENT: By signing below, I acknowledge my agreement to the precedingTerms and Conditions and this AUTOMATIC PAYMENT AUTHORIZATION : AUTOMATIC PAYMENT Signature and Borrower Requirements.

7 A minimum of one of the accountholders onthe Bank Account must sign this AUTOMATIC PAYMENT AUTHORIZATION and be a borrower on the Loanidentified