Current Interest Rate & Investment Fees

U.S. Bank

Investment Advisors
U.S. Bank as contracted to Union Bank and its wholly-owned subsidiary, HighMark Capital Management

Custodian and Investment Fees:

· Master Trust and Custody Fees

· Investment Fees

Interest Rates for Loans
 - For loans made prior to January 1, 2014: 4.80%
 - For loans made after January 1, 2017: 4.80% (base rate) up to 6.80%, depending on ratio of loan amount to value/cost, financial strength of borrower, and nature of property to be constructed or improved. Here are the Interest Rate Policy details.
(No loans were made in 2014, 2015 or 2016)

Reserve for Bad Debt
 5 years at 1.00% per year beginning 2011


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