MORE CHOICES TO HELP MEET YOUR RETIREMENT SAVINGS CHALLENGES ?· MEET YOUR RETIREMENT SAVINGS CHALLENGES…

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<ul><li><p>MORE CHOICES TO HELP MEET YOUR RETIREMENT SAVINGS CHALLENGESSelf-Directed Brokerage</p></li><li><p>More choice, more opportunities to meet your retirement challengesReaching your retirement goals requires that you have a plan that can help you overcome any challenges that stand in the way of getting you there. Through your retirement plan, you have an additional opportunity: the ability to transfer a portion of your retirement assets to a Self-Directed Brokerage account where you will have access to a greatly expanded investment selection--thousands of stocks traded on U.S. stock exchanges and hundreds of mutual funds and individual bonds.</p><p>Is a Self-Directed Brokerage account right for you?If you are comfortable with adding a potentially higher level of risk to your retirement plan assetswith the potential for higher rewardthen Prudential Retirements Self-Directed Brokerage account may be right for you. Before you open an account, youll want to consider these pros and cons:</p><p>You will have a broad array of investment choices.Self-Directed Brokerage gives you the opportunity to invest a portion of your retirement assets in the stocks traded on U.S. stock exchanges, including the New York Stock Exchange, NASDAQ, and the American Stock Exchange. You may also invest in a broad selection of mutual funds and individual bonds. (Investment restrictions may apply.)</p><p>You may be exposed to greater volatility.Investments that offer the greatest potential reward are also subject to greater risk and volatility. </p><p>You will pay additional fees.Prudential Retirement will deduct an annual account fee from your core retirement savings plan account, and a transaction fee will be charged for each purchase or sale of securities. You should carefully consider whether it makes sense to incur the additional costs.</p><p>Monitoring your accountInformation about your Self-Directed Brokerage account will be available through a number of sources:</p><p>Brokerage statements You will receive a separate monthly brokerage account statement that provides general account information, including account balance, security detail, trading activity and other account activity. Your core retirement plan quarterly account statement will include your Self-Directed Brokerage account balance.</p><p>Internet access You can access your account information online through the Prudential participant website. Click the Self-Directed Brokerage account link to view your brokerage account information, up-to-date financial news, market overviews, real-time quotes, a trading facility, and more.</p><p>Self-Directed Brokerage</p></li><li><p>Taking withdrawalsYou cannot take a plan withdrawal directly from your Self-Directed Brokerage account; however, you can transfer cash to your core account. Permissible withdrawals from your account will then be subject to normal withdrawal processes and penalties as described by your plans rules.</p><p>Loans (if available)You cannot take a loan from your Self-Directed Brokerage account. Loan repayments to your core account, if applicable, cannot be made through your brokerage account. However, the assets in your brokerage account are included when calculating the maximum amount available for a loan.</p><p>The next move is yoursBy including the Self-Directed Brokerage feature in your plan, your employer is providing you with additional investment choice to build on your retirement strategy. If you believe Self-Directed Brokerage can play a role in your investment strategy, complete and return the enclosed account application. If you have any questions, just speak with a Retirement Counselor by calling the toll-free number listed in this packet.</p><p>THE PROS AND CONS OF SELF-DIRECTED BROKERAGE</p><p> Pros Greater investment choice and flexibility</p><p> Opportunity to invest in individual securities</p><p> More control over the types of investments in your retirement account </p><p> Cons Additional investment risk</p><p> Time required to research, select and monitor your investments</p><p> Additional fees</p></li><li><p>OPENING AN ACCOUNT</p><p>If you have decided to open an account, follow these simple steps:</p><p>Step 1Complete and return the enclosed account application.</p><p>Step 2Review the new account information that will be mailed to you confirming your account details.</p><p>Step 3Once you have established your brokerage account, you are ready to begin building your brokerage portfolio. Call the toll-free number in this packet to transfer funds into your Self-Directed Brokerage account. Representatives are available Monday through Friday from 8 a.m. to 9 p.m. ET. </p><p>Funds must be available in your account before placing a trade. Transfers from the core account, as well as dividends, interest and the proceeds gained from the sale of securities, will be automatically invested in a money market fund* until you provide further investment instructions. Please review your prospectus (where applicable), which contains complete information, including charges and expenses. Dividend reinvestment is available.</p><p>Please review the specific account highlights of your plan for any transfer restrictions or limitations that may apply.</p><p>* An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose principal by investing in the fund.</p></li><li><p>Your investment optionsPermitted investmentsYour plan sponsor may restrict or limit any of these investment options. See the enclosed plan highlights for your plans specific options and fees. Please contact your plan sponsor for further details.</p><p> Equities traded on U.S. stock exchanges (subject to certain restrictions)</p><p> Bonds or other debt instruments</p><p> Certificates of Deposit (CDs), unit investment trusts (UITs)</p><p> Mutual funds from many of the best-known fund families</p><p>Ask a Retirement Counselor for a complete listing of funds. For more detailed information about the mutual funds available, please call 1-877-778-2100 for a free prospectus. </p><p>Read the prospectus (where applicable) carefully before investing.</p><p>Restricted investmentsThese investments are generally not available for purchase in your Prudential Retirement Self-Directed Brokerage account:</p><p> Margin purchases or short sales</p><p> Futures</p><p> Options (covered call writing may be offered under the terms of your plan)</p><p> Limited partnerships</p><p> Promissory notes</p><p> Foreign securities</p><p> Mortgages, collectibles or tangible assets</p><p> Investments available in your core retirement program</p><p> Employer stock (if applicable)</p><p> Tax-exempt investments</p><p> Investments restricted by your plan sponsor</p><p>Equities valued at less than $5 per share at the time of purchase.</p><p>Self-Directed Brokerage</p><p>THE RISK-REWARD SPECTRUM</p><p>This illustration shows the general risk and reward for each asset class.</p><p>This illustration is based solely on the characteristics of these general investment categories. Risks (potential for loss of principal value) associated with the investment options can vary.</p><p>Money Market/Stable Value</p><p> Money market instruments (i.e., CDs, T-bills) Guaranteed accounts Stable value accounts Short-term high-grade bonds</p><p>Bonds/Fixed Income</p><p>Government intermediate bonds Government long-term bonds Corporate intermediate bonds Corporate long-term bonds</p><p>Stocks/Equities</p><p>Domestic large-cap stocks Domestic small-cap stocks Domestic mid-cap stocks International stocks</p><p>Potentially lower risk and reward Potentially higher risk and reward</p></li><li><p>0156337-00002-00 RSBR477 06/2011 Printed 06/2011</p><p>Investors should consider the funds investment objectives, risks, charges and expenses before investing. The prospectus, and if available the summary prospectus, contain complete information about the investment options available through your plan. Please call 1-877-778-2100 for a free prospectus and if available, a summary prospectus that contain this and other information about our mutual funds. You should read the prospectus and the summary prospectus, if available carefully before investing. It is possible to lose money when investing in securities.</p><p>Retirement Counselors are registered representatives of PIMS.</p><p>Securities products and services are offered by Prudential Investment Management Services LLC (PIMS), Three Gateway Center, 14th Floor, Newark, NJ 07102-4077. PIMS is a Prudential Financial company.</p><p>Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.</p></li><li><p>MUFG UNION BANK, N.A. 401(K) PLAN PLAN NUMBER 720441 </p><p>Your Self-Directed Brokerage Account HighlightsPrudentials Self-Directed Brokerage Account provides participants significantly expanded investment choices in addition to the core investments in the Plan. The following guidelines provide you with the details associated with opening and maintaining a Prudential Self-Directed Brokerage Account. </p><p>If you have any questions regarding your Core Account or your eligibility for the Self-Directed Brokerage Account, please call 1-877-PRU-2100 (1-877-778-2100) to speak with a Prudential Participant Service Representative, Monday through Friday, 5:00 AM to 6:00 PM, PT. Once your brokerage account has been established you will be able to access it online via the Prudential Online Retirement Center. </p><p>Eligibility Requirements $5,000 minimum account balance to open a Self-Directed Brokerage Account Initial transfer to the Self-Directed Brokerage Account of at least $2,500 or more Subsequent transfers to your Self-Directed Brokerage Account of at least $1,000 or more Minimum of 50% must remain in the Core Account at all times No additional funds can be transferred to your Self-Directed Brokerage Account if the Self-Directed </p><p>Brokerage Account balance is 50% or greater of your total balance, or if proposed transaction will result in a balance of 50% or greater in your Self-Directed Brokerage Account </p><p> No minimums on transfers from your Self-Directed Brokerage Account back to your Core Account </p><p>Eligible Investments Equity securities traded on U.S. Exchanges (excluding your employers stock) valued at $5 or more at the </p><p>time of purchase Taxable fixed income securities (corporate and governmental bonds) Mutual Funds. Refer to the enclosed Mutual Fund Families list for more information on the funds offered </p><p>within each of the following fee structures: Load Funds: All applicable sales loads apply, as identified under the terms of the prospectus No Load Funds: </p><p> No Transaction Fee (NTF) Funds: Funds are no load, with no transaction fee, though 12b-1 fees (typically used to defray marketing and distribution expenses) still apply </p><p> Transaction Fee Funds: Offered without a load, but transaction fees apply </p></li><li><p>Ineligible InvestmentsThe following investments will NOT be permitted through the SDB Account: </p><p> Employer stock (Mitsubishi UFJ Financial Group, Inc. (MTU) stock not available) Commodities or other futures Options, other than covered calls Limited partnerships Mortgages Collectibles Any security listed on the restricted securities list supplied by your Plan Sponsor Mutual funds, fixed income securities, and other investment options offered in the Core Account Margin transactions Short sales </p><p>Any trades made in an impermissible investment may be liquidated at your expense. Prudential is not responsible for costs associated with breaking a trade in an impermissible investment.</p><p>Eligible Money SourcesYou may transfer assets from any of the Plans eligible money sources to the Self-Directed Brokerage Account. Only sources in which you are 100% vested are eligible for transfer to the Self-Directed Brokerage Account. </p><p>Account FeesA $60 annual account fee is charged for any open Self-Directed Brokerage Account, regardless of the Self-Directed Brokerage Account balance. This fee will be deducted from your Core Account balance. This fee is not related to the transfer of or the trades within these accounts, and is payable annually. </p><p>Trading Fees </p><p>Online Trading Representative Assisted TradingEquities * $19.95 $29.95 Mutual Funds </p><p>Load Funds Loads apply Loads apply No-Load Funds</p><p>No Transaction Fee Funds No transaction fee No transaction fee Transaction Fee Funds $19.95 $29.95 </p><p>Fixed Income * N/A $29.95 * In addition to the trading fees outlined above, postage and handling fees of $2.00 may be charged for each transaction. </p><p>Investors should consider the funds investment objectives, risks, charges and expenses before investing. Theprospectus, and if available the summary prospectus, contain complete information about the investment optionsavailable through your plan. Please call 1 877 778 2100 for a free prospectus and if available, a summaryprospectus that contain this and other information about our mutual funds. You should read the prospectus andthe summary prospectus, if available carefully before investing. It is possible to lose money when investing insecurities.</p><p>Retail mutual funds and Self-Directed Brokerage are offered through Prudential Investment Management Services LLC (PIMS), ThreeGateway Center, 14th Floor, Newark, NJ 07102-4077. PIMS is a Prudential Financial company. Member FINRA/SIPC. Self-Directed Brokerage Accounts are carried and maintained by National Financial Services LLC pursuant to a clearing agreement with PIMS. If you have any questions regarding the operation of the Self-Directed Brokerage Account portion of your retirement program, please contact a PIMS representative at 1-888-244-6237. All other inquiries can be referred to the Prudential Representative at the phone number listed on your quarterly statement. Prudential Participant Service Representatives, Prudential Investment Specialists, and Prudential Representatives are registered representatives of PIMS. </p><p>2014 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide. </p><p>0217229-00004-00 ROMP022 </p></li><li><p>MUTUAL FUND SOLUTIONSMutual Fund Families</p></li><li><p>Transaction Fee1 Fund Families: The following fund families offer mutual funds which charge either a load as defined in each funds prospectus or a transaction fee as described in Prudentials brokerage pricing guide.</p><p>Aberdeen Funds361 Funds7Twelve FundsAbsolute FundsACAP FundsActive Passive FundsAdaptive Allocation FundsAdvisor One FundsAegis FundsAkre FundsAl Frank FundsAlger FundsAllianceBernstein Advisor </p><p>FundsAllianceBernstein FundsAllianz FundsAlpha Capital FundsAlpine FundsALPS FundsAltegris FundsAmerican Beacon FundsAmerican Century FundsAmerican CL F FundsAmerican CL R FundsAmerican FundsAmerican Growth FundAmerican Independence </p><p>FundsAmerican Pension FundsAmerican Trust FundsAMIDEX35 FundsAppleseed FundsAQR FundsAquila GroupArbitrage FundsArrow FundsArtio Global InvestorsAsset Management FundsAston Asset Management </p><p>FundsAstor FundsAutopilot FundBaird Mutual FundsBandon FundsBank of America FundsBaron Asset Fu...</p></li></ul>

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