Important disclosures
HELOC – Inside front cover
5. Bonus Reward Points or Cash Back - Bonus offer applies to new Reserve Cardholders, subject to credit approval. Transactional items such as cash advances, balance transfers, returned merchandise, etc. do not qualify toward $5,000 spend amount. Bonus points or bonus cash will be added to your reward points or cash back balance within 4 to 6 weeks from the end of the 90-day promotion. Certain terms, conditions, and restrictions apply.
1. Loans subject to credit approval, terms and conditions apply. Subject to change at any time. Minimum loan amount is $10,000. Collateral must be owner-occupied single-family residential property, including condos, townhomes and duplexes located in California with a maximum 80% Loan to Value. Properties for sale not eligible. Property insurance is required. A variable APR of 9.05% – 11.18% based on commitment amount, loan-to-value, lien position and credit worthiness will apply. The lowest advertised 9.05% APR is based on 1st lien position, loan- to-value less than or equal to 60%, and excellent credit history. The variable APR is based on the Prime Rate as stated in The Wall Street Journal plus a margin and is subject to change. Maximum APR is 16%. The interest rate will change effective with changes in the Index. No origination or closing costs on loan amounts up to $500,000. For lines over $500,000, borrower is responsible for third party costs that may range from $250 to $20,000. Borrower to pay third party costs on rental properties and secondary home loan requests when the line is over $250,000. Early closure fees range from $0-$1,000 and will apply for terminating the plan within the first three years.
Mobile Check Deposit – Page 11
1. Mobile Banking requires download of the smartphone version of the CB&T app from the Apple® App Store or Google Play®. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking . Please refer to the applicable Rate and Fee Schedule (Schedule of Fees or Service Charge Information). Subject to terms and conditions of the Digital Banking Service Agreement. Trademarks used are the property of their registered owner and CB&T is neither affiliated with nor endorses these companies or their products/services..
2. Mobile Check Deposit requires enrollment in Mobile Banking. Limits apply. See our Digital Banking Service Agreement for details. Message and data rates from your wireless provider may apply.
Reserve Card – Page 7
1. Credit card accounts are subject to credit approval. Certain terms, conditions and restrictions apply. See the Consumer Credit Card Agreement and Disclosure Statement for more details. Offers are available for new credit cards only and subject to change at any time. 2. Priority Pass Select - Up to four Reserve cardmembers per account are automatically enrolled in Priority Pass™ Select membership free of charge. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select Network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. For a current list of participating lounges, visit www.prioritypass.com. Additionally, each membership (up to four per account) includes five complimentary visits during each 12-month membership period. Member and accompanying guest visits count against the free visit allowance. After your five visits, a lounge visit fee, currently $32 per person, per visit will be charged to your credit card once the lounge reports the visit. To access a lounge, member must show valid Priority Pass Select membership. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and in good standing to maintain membership. For complete Priority Pass Select Terms and Conditions, please visit prioritypass.com 3. Reserve Annual Travel Credit - A statement credit will automatically be applied to your account when your card is used for purchases in certain travel categories, up to an annual maximum of $250. Annual Travel Credits are refreshed once yearly, the day after the anniversary of your account open date. Qualifying purchases are those billed in the following merchant categories: Airlines, Rental Cars, Hotels, Cruise Lines, Travel Agencies, Airport Terminals, Global Entry, TSA PreCheck, and Gogo Inflight Wi-Fi. Identification of qualified purchases is subject to merchants’ billing. Statement credit(s) will post to your account within 3 days of the settled purchase and will appear on your monthly credit card billing statement within 1-2 billing cycles. With questions about your Annual Travel Credit, or when your next Annual Travel Credit will become available, call the number on the back of your card. 4. Reserve Reward Points/Cash Back - For every dollar spent on net purchases, Reserve cardholders earn 3 reward points or 3% cash back on dining, airlines, hotels, car rental, cruise lines and travel agencies. Reserve cardholders earn 2 reward points or 2% cash back on all other categories. Reward points and cash back are not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. For points redemption, purchases must be redeemed within 90 days of purchase date and account must have at least 2,500 points to redeem. For cash back, must have at least $1 earned cash back to redeem. Account must be in good standing. See Rewards or Cash Back Program Terms and Conditions for full details.
Business Checking – Page 19
1. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and the applicable schedule of fees, or speak with a banker for more details.
2. A transaction is a combination of debited items (withdrawals), credited items (deposits), and deposited items per statement cycle, and includes the following: Credits—any deposit into the account; Debits—any withdrawal such as check, draft, ACH or other debit against the account; Deposited items—each individual item that comprises a deposit such as a check or other item deposited.
3. There is a charge per $100 cash deposited over your allowance. Please refer to the applicable fee schedule and account disclosure for additional details.
4. Access to services such as Remote Deposit Capture California Bank & Trust, Treasury Internet Banking CB&T and more. See your banker for Treasury Management product details and schedule of fees. Certain Treasury Management Services may require credit approval and a contract may apply.
Business Credit Card – Back page
1. Credit card accounts are subject to credit approval. Certain terms, conditions, and restrictions apply. See the credit card application and disclosures for more details. Offers are available for new credit card accounts only and subject to change at any time. 2. Amazing Cash® for Business — Cardholder will earn cash back on all net purchases. 3% cash back is earned on office supplies, wireless telephone services, computer network services and telecommunications services and equipment. 2% cash back is earned on airlines and car rentals when the purchase is made directly with the airline or car rental company. 1% cash back is earned on all other purchases. 3% and 2% cash back apply to the first $150,000 incombined purchases per calendar year, then 1% cash back applies thereafter. Cash Back is not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Must have at least $1 earned cash back in order to redeem. Account must be in good standing. See the Amazing Cash for Business Program Terms and Conditions for full details.
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