Personal Checking and Savings Options Brochure

Personal Checking & Savings Options

Let’s find the right account for you

Custom financial tools and the help you need to thrive

You have unique financial needs. Which means you require customized financial solutions. This is why California Bank & Trust (CB&T) offers a relationship-banking model. Here’s what to expect: We’ll talk about the tools you need to manage your finances, then help you select from our array of banking products and services. While our checking and savings accounts are designed to meet different needs, each comes with the convenience of banking anytime, anywhere, and the confidence of knowing that a network of CB&T banking professionals is here to help.

Personal Checking & Savings Options

Account Benefits Personal Checking Accounts 1 OnBudget ® Banking

4 4 5 6 6 7

Anytime Checking

Anytime Interest Checking Premium Interest Checking Military Advantage Checking Senior Advantage Checking Personal Savings Accounts 1 Savings

8 8 9

Young Savers Money Market

Certificate of Deposit IRA Money Market

10 10

Let us help you choose the accounts that are right for you.

We make it easy to make the right choice

Access your accounts online or via our mobile device 24 hours a day, 7 days a week. You can also talk to live representatives, available Monday through Saturday 5 a.m. to 8 p.m. (PT)

Whether you choose a primary checking, specialty checking, savings or money market account, you’ll enjoy these benefits: At CB&T, valuable features come with every type of account Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2

Skip the branch and deposit checks using your mobile device 3

Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4

Go paperless with eStatements, eNotices, and eTax Documents 5

Shop anywhere Visa ® is accepted with your CB&T debit card or credit card, 6 including support for Apple Pay ® / Google Pay™ / Samsung Pay ®

Get cash when you need it with no charges at any CB&T ATM 7

Prevent overdrafts with automatic transfers from an eligible deposit account or credit line 8

You will find descriptions of our account options on the next several pages. Each one is designed to fit a different lifestyle, but all of them come with time- and money-saving features that allow you to easily manage your money when and where you want. Please let us know if we can answer any questions about the accounts. We’re here to help.

For additional applicable disclosures, please refer to pages 13 – 15

Personal Checking 1

OnBudget Banking ® Designed for the budget-conscious consumers looking for a predictable, flat monthly service charge with no overdraft fees Features & Benefits • Open your account with a minimum deposit of $25 • Spend knowing this account cannot go into overdraft status and that means there are no overdraft fees or insufficient funds fees • Access to free Cashier’s Checks when a paper check is needed

Fees This account charges a flat $5 monthly maintenance fee that is not waivable

Anytime Checking ® Banking done at your convenience, with access to online and mobile banking, and a network of branches and ATMs

Features & Benefits • Open your account with a minimum deposit of $50

Fees $250 monthly Direct Deposit, 9d or 10 Debit or Credit card 10 transactions or for account holders ages 25 and younger 11

For additional applicable disclosures, please refer to pages 13 – 15

Features & Benefits • Open your account with a minimum deposit of $50 • Earn interest on the balance in your checking account 1,12 • Receive one (1) fee waiver per statement month for transactions at non-CB&T ATMs; ATM operator fees may be assessed 7 Anytime Interest Checking ® Get more for your money with convenient online and mobile banking tools, 2 interest on balances, and other loyalty benefits Fees Waive the monthly fee by keeping a minimum daily balance of $1,500 or a combined deposit and personal loan balance of at least $10,000, otherwise $15 9, 9A, 9B, 9C

For additional applicable disclosures, please refer to pages 13 – 15 5

Personal Checking 1

Premium Interest Checking

Features & Benefits • Open your account with a minimum deposit of $50 • Earn a Premium interest rate on Checking, Savings, Money Market and CD balances 12,13 • Receive three (3) fee waivers per statement month for transactions at non-CB&T ATMs; ATM operator fees may be assessed 7 • No fee for CB&T Cashier’s Checks • One (1) free incoming domestic wire • Free credit line transfers • Free savings overdraft transfers • No Monthly Service fee on Savings and Money Market Accounts Fees Waive the monthly fee by keeping a combined deposit balance of at least $10,000 or a combined deposit and personal loan balance of $25,000 or more, otherwise $25 9, 9b, 9c Military Advantage Checking Designed specifically for active duty service members, veterans and their families, this account provides special features and benefits Features & Benefits • Open your account with a minimum deposit of $50 • Receive three (3) fee waivers per statement month for transactions at non-CB&T ATMs; ATM operator fees may be assessed 7 • First order of CB&T branded checks are free 14 Fees Waive the monthly fee by keeping a minimum daily balance 9,9a of $500 or make at least $250 in ACH direct deposits 9d per statement month, otherwise $5 This account is filled with benefits designed to help elevate your personal financial management

For additional applicable disclosures, please refer to pages 13 – 15

Senior Advantage Checking Designed specifically for those age 62 or older, this account provides the features and benefits our customers appreciate Features & Benefits • Open your account with a minimum deposit of $50 • Receive one (1) fee waiver per statement month for transactions at non-CB&T ATMs; ATM operator fees may be assessed 7 • First order of CB&T branded checks is free 14

Fees Waive the monthly fee by keeping a minimum daily balance 9,9a of $500 or make at least $250 in ACH direct deposits 9d per statement month, otherwise $5

For additional applicable disclosures, please refer to pages 13 – 15 7

Personal Savings 1

Savings Ideal for customers who want a traditional savings account with a low minimum balance requirement Features & Benefits • Minimum opening deposit of $50 • Variable rate, compounded daily, 12 paid monthly • Get paid on every dollar you save with no minimum balance requirement to earn interest • Establish optional transfers from a checking account to help build savings automatically • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account 13 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 15 Fees Waive the monthly fee by keeping a minimum daily balance 9,9a of $200 or by making a qualifying credit 9e of at least $25 to the savings account before the last business day of the monthly billing cycle or by linking to a Premium Interest Checking account otherwise $5 16 Young Savers A savings account for account holders age 25 and younger 11 that has no monthly maintenance fee Features & Benefits • Minimum opening deposit of $5 • Get paid on every dollar you save with no minimum balance requirement to earn interest • Variable rate, compounded daily, 12 paid monthly • Learn to save while enjoying no minimum balance requirements or monthly maintenance fees • Establish optional transfers from a checking account to help build savings automatically Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 15

For additional applicable disclosures, please refer to pages 13 – 15

Money Market Ideal for customers who want to earn a competitive, tiered interest rate 12,13 on their account balances while having flexible access to their funds Features & Benefits • Minimum opening deposit of $500 • Variable rate, compounded daily, 12 paid monthly • Earn a more competitive interest rate 12 than traditional savings accounts on balances over $1,000 • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account 13 • Make unlimited withdrawals at a CB&T branch or ATM 7 • Write checks for extra flexibility in accessing your Money Market funds 15 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 15 Fees Waive the monthly fee by keeping a minimum daily 9, 9a balance of $1,000, or by linking to a Premium Interest Checking account, 16 otherwise $12

For additional applicable disclosures, please refer to pages 13 – 15 9

Personal Savings 1

Certificate of Deposit Use a Certificate of Deposit to maximize your savings for a fixed period of time Features & Benefits: • Fixed interest rate, compounded daily 18 • Deposits are insured by the FDIC to at least $250,000 • Choose a flexible savings term between 28 days and 5 years 17 • Earn a competitive interest rate on money you don’t need to access right away • Save for retirement by opening an IRA Certificate of Deposit 19 Withdrawals: Early withdrawal/closure penalties may be assessed when principal is withdrawn from a CD prior to the maturity date Fees: There are no monthly maintenance fees for Certificates of Deposit. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. IRA Money Market Save for retirement with a product that gives you the flexibility to make additional deposits automatically or as needed Features & Benefits: • Earn a Money Market interest rate while saving for retirement • Make additional deposits to your account at any time • Deposits are insured by the FDIC to at least $250,000 20 Withdrawals: Withdrawals made from an IRA account before age 59 1/2 may be subject to federal taxes and penalties. Please consult your tax adviser before making withdrawals from an IRA account. 19 Fees: There is no monthly maintenance fee with this account. There is an annual maintenance fee of $15 per plan holder.

For additional applicable disclosures, please refer to pages 13 – 15 10

Personal Checking Accounts 1

Overview

Interest Paid

Opening Balance Requirement

Online Banking

CB&T Mobile Banking

Visa ® Debit Card

Check Writing

ATM Access

eDocuments

Monthly Maintenance Fee

Avoid the Monthly Maintenance Fee

Monthly Paper Statement Fee

Additional Benefits

For additional applicable disclosures, please refer to pages 13 – 15

OnBudget Banking

Anytime Checking ®

Anytime Interest Checking ®

Designed for budget-conscious consumers looking for a basic account with a predictable, flat monthly service charge, no overdraft fees, and a digital banking experience

Banking done at your convenience, with access to online banking, mobile app, and a network of branches and ATMs

Get more for your money with convenient online and mobile banking tools, interest on balances, and other loyalty benefits

$25

$50

MONEY MANAGEMENT TOOLS

Unlimited

Receive one (1) fee waiver per statement month for transactions at non-CB&T ATMs; ATM operator fees may be assessed 7

FEE INFORMATION

$15

$250 monthly direct deposit, 9d or 10 debit or credit card 10x transactions or for account holders ages 25 and younger 11

Minimum daily balance of $1,500 or a combined deposit and personal loan balance of at least $10,000 9, 9a,96b, 9c

This account charges a flat $5 monthly maintenance fee that is not waivable

$2 Opt out of paper with eStatements 5

ADDITIONAL BENEFITS

See page 4

See page 5

Premium Interest Checking

This account is filled with benefits designed to help elevate your personal financial management

$50

Unlimited

Receive three (3) fee waivers per statement month for transactions at non-CB&T ATMs; ATM operator fees may be assessed 7

$25

Combined personal deposit balance of $10,000 or a combined personal deposit and personal loan balance of $25,000 9, 9b, 9c $2 Opt out of paper with eStatements 5

See page 6

11 For additional applicable disclosures, please refer to pages 13 – 15

Personal Checking Accounts 1

Personal Savings Accounts 1

Military Advantage Checking

Senior Advantage Checking

Designed specifically for active duty service members, veterans and their families, this account provides special features and benefits

Designed specifically for those age 62 or older, this account provides the features and benefits our customers appreciate

Overview

Interest Paid

Opening Balance Requirement

$50

MONEY MANAGEMENT TOOLS

Online Banking

CB&T Mobile Banking

Visa ® Debit Card

Check Writing

Unlimited

Top Balance Tier

ATM Access

eDocuments

FEE INFORMATION

Monthly Maintenance Fee

Minimum daily balance 9,9a of $500 or incoming direct deposit 9d of at least $250 per statement month

Avoid the Monthly Maintenance Fee

$2 Opt out of paper with eStatements 5

Monthly Paper Statement Fee

ADDITIONAL BENEFITS

Additional savings options include Certificates competitive, fixed interest rate over a variety o

Additional Benefits

See page 6

See page 7

FDIC protection of up to $250,000 per accoun

For additional applicable disclosures, please refer to pages 13 – 15

Savings

Young Saver

Ideal for customers who want a traditional savings account with a low minimum balance requirement

A savings account for and younger 11 that h monthly fee

$50

MONEY MANAGEMENT TOOLS

No, ATM card only

No, ATM card on

$100,000 or more

$50,000 or mor

FEE INFORMATION

Minimum daily balance 9, 9a of $200 or by making a qualifying credit 9e of at least $25 before the last business day of the monthly billing cycle or by linking to a Premium Interest Checking account 16

Ages 25 and young

$2 Opt out of paper with eS

s of Deposit (CDs) and Individual Retirement Accounts (IRAs) that provi of term options.

nt holder comes standard with all CB&T bank accounts.

Money Market

Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances while having flexible access to their funds

ages 25

has no

$500

nly

$1,000,000 or more

$12

Minimum daily 9, 9a balance of $1,000 or by linking to

ger 11

a Premium Interest Checking account 16

Statements 5

ide a

12 For additional applicable disclosures, please refer to pages 13 – 15

Important Account Disclosures

1. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Accounts Schedule of Fees available in the online Agreement Center, or speak with a banker for more details. 2. Online & Mobile Banking – Mobile Banking requires download of the smartphone version of the California Bank & Trust 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 Personal Accounts Schedule of Fees. Subject to terms and conditions of the Digital Banking Service Agreement. Trademarks used are the property of their registered owner and California Bank & Trust is neither affiliated with nor endorses these companies or their products/services. 3. Mobile Deposits – Take a picture of your check deposit and submit through your mobile device. Limits apply: see Personal Accounts Schedule of Fees for more details. Message and data rates from your wireless provider may apply. Requires download of the CB&T Mobile Banking app. 4. Zelle ® – U.S. checking or savings account required to use Zelle ® . Transactions between enrolled users typically occur in minutes. See your Zelle ® Payment Service Agreement for more details. Standard text and data rates from your mobile phone carrier may apply. Available services are subject to change without notice. Zelle ® is intended for sending money to family, friends and people you know and trust. It is recommended that you do not use Zelle ® to send money to people you don’t know. Neither Zions Bancorporation, N.A. nor Zelle ® offer a protection program for any authorized purchase made with Zelle ® . Zelle ® and Zelle ® related marks are wholly owned by Early Warning Services, LLC. and are used herein under license. 5. eDocuments – To avoid the Paper Statement Fee of $2, you must enroll in Online Banking, and opt your account out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, you must have opted your primary account out of receiving paper statements. 6. Trademarks – Apple Pay ® , Samsung Pay ® , and Google Pay ® Trademarks used are the property of their registered owner and Zions Bancorporation, N.A. is neither affiliated with nor endorses these companies or their products/services. Visa ® is the registered trademark of Visa International Service Association and California Bank & Trust does not claim any ownership or exclusive rights to the use of this trademark.

Important Account Disclosures

7. ATM Charges – An ATM charge of $2.50 applies to withdrawals conducted at an ATM not owned or operated by Zions Bancorporation, N.A. Other bank or ATM operator fees may also apply to any transaction conducted at an ATM not owned or operated by Zions Bancorporation, N.A. Select Checking accounts include waivers of CB&T ATM fees and/ or rebates of charges from the use of non-Zions Bancorporation, N.A. ATMs. International ATM transactions are not waived or rebated. Please see Personal Accounts Schedule of Fees for additional ATM fee details. 8. Overdraft Protection Services: When you don’t have enough money in your checking account to cover a transaction, the bank can transfer funds from a designated, eligible linked deposit account or credit reserve line (subject to credit approval). Subject to minimum transfer amount. 9. Maintenance Fee Waiver – In order to avoid a monthly maintenance fee, the balance requirement must be met. The monthly maintenance fee amount is provided as part of the disclosures upon account opening. 9a. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly maintenance fee will be assessed. 9b. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. 9c. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, and Installment loans. Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts. 9d. Direct Deposit: A direct deposit is an electronic credit to your account. Transfers from one account to another or deposits made at a banking center do not qualify as a direct deposit. All direct deposits made during the statement month are added together to determine the total direct deposit amount used to waive the monthly maintenance fee. 9e. A qualifying credit may include any of the following: ATM check or ACH direct deposit, an ATM transfer from your checking to the savings or banker. 10. All debit and credit card purchase transaction counts are added together to waive the monthly maintenance fee. Debit and credit card purchases must post and clear your account in order to be counted for the monthly maintenance fee waiver, and must be made within the past 30 days of your statement cycle. Credit cards subject to credit approval. 11. Age-based Waiver – Anytime Checking discounts/waivers are open only to customers age 18-25. At age 26, the discount/ waiver will automatically expire. Checking accounts are not available for ages 17 and under. Please refer to your Account Disclosure document(s) for complete information.Young Savers waivers are open only to customers age 25 and under. Minors must be at least 16 years old to sign on a savings account with a parent or guardian. This benefit does not extend to secondary account holders.

12. Interest – Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact a branch for details. 13. Premium Rate Tier – Premium rate tiers are applied automatically to linked money market or savings accounts, CDs, and IRA accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. Please see Consumer Deposit Rate Sheet for details. 14. Discounted Checks – Discounted check orders must be ordered through CB&T to qualify. Checks can be ordered through a branch, Online banking, or through Customer Service. 15. Excessive Savings or Money Market Withdrawals – There is a limit of six (6) withdrawals in a monthly statement cycle if the withdrawals are by check, debit card, or pre-authorized, made by telephone, or made by an online or mobile transfer of funds. If you make more than six limited withdrawals in a statement cycle, you may incur a fee for each excess withdrawal. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. 16. Linked Account Benefit – Monthly service fees are waived when the primary owner of the checking account is also an owner on the linked account. 17. Certificates of Deposit Interest – Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. Fees may reduce earnings. 18. Fixed Interest Rate on Certificates of Deposit – Your disclosed interest rate will not change until the CD renews at first maturity. Your CD will renew automatically at maturity for a similar period unless we send you notice of nonrenewal. We will send a notice before maturity to provide you with an opportunity to prevent renewal during the grace period. 19. IRA Withdrawals and Fees – IRA account must be single owner. Annual contribution limits may apply. Please consult your tax professional for information regarding tax deductibility, required distributions, and before making withdrawals. Withdrawals made from an IRA product before age 59 1/2 may be subject to Federal taxes and penalties. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. 20. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for coverage over $250,000 if they have funds in different ownership categories and all FDIC requirements are met. Click here to learn more about how to increase your FDIC insurance coverage. For additional information, use the FDIC’s Electronic Deposit Insurance Estimator (EDIE).

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A division of Zions Bancorporation, N.A. Member FDIC

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