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C A R M E L M A G A Z I N E • S U M M E R / F A L L 2 0 1 4 1 8 9 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. 2 With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your mortgage consultant to determine what your payments might be once the interest-only period ends. April Robbert VP, Sr. Mortgage Consultant NMLS ID #384061 1400 Munras Avenue Monterey, CA 93940 831-234-2088 cell april.robbert@unionbank.com Choose a mortgage to match When it comes to larger loans, your options can be limited. At Union Bank®, we broaden your choices and o&er our most competitive rates on larger home loans. 1 Whether you're buying or refinancing, we make our best options available to you: Variety of Loan Programs Zero Point Options Interest-Only Payment Option 2 Portfolio Lender Get personalized service and great rates with a Jumbo Loan. You found your dream home ©2014 MUFG Union Bank, N.A. All rights reserved. Member FDIC. Visit us at unionbank.com closed for renovations in 2015. Feinstein's at the Nikko in San Francisco continues the tradition and plans are afoot for a new venue in London. But aside from all that, Michael Feinstein is a compelling, powerful performer. On Sunday evening, he'll present The Sinatra Project on the Jimmy Lyons Stage with Russell Malone, Harry Allen and the Next Generation Jazz Orchestra. In addition, he will participate in a discussion about his passion for the Great American Songbook Saturday at 2:30pm in Dizzy's Den. B I G S U R B O H E M I A N Tenor saxophonist and flautist Charles Lloyd's three appearances (Dizzy's Den Friday at 7:30pm and Saturday at 9pm; Jimmy Lyons Stage Sunday at 7pm with Jason Moran, Rueben Rogers and Eric Harland) mark a homecoming of sor ts. Lloyd was a hot com- modity in the jazz world in the late 1960s and one of the few to have "crossed over" to a broader general audience. His quar tet, a dream ensemble comprised of Keith Jarrett on piano, bassist Cecil McBee and Jack DeJohnette on dr ums, recorded their seminal "Forest Flower" album live at the High energy blues will rule Saturday afternoon when Davina and the Vagabonds take the Monterey stage for the third year in a row.