Important disclosures
Owner-Occupied Commercial Real Estate – Inside front cover
Merchant Services – Pg. 33
1. Merchant Services products and services are provided by Clover affiliate First Data Merchant Services LLC and not by Zions Bank, a division of Zions Bancorporation, N.A. Member FDIC. © 2022 Clover Network, Inc. The Clover name and logo are registered trademarks owned by Clover Network, Inc. and are registered or used in the U.S. and many foreign countries. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
1. Loans subject to approval in accordance with Bank eligibility and lending guidelines with credit approval. Terms and conditions apply. Contact bank for details or visit calbanktrust.com/oore-offer.
Business Financing and Credit Card – Pg. 10-11
1. Loans subject to approval in accordance with Bank eligibility and lending guidelines with credit approval. Terms and conditions apply. See banker for details. 2. Credit cards are subject to credit approval. Terms, conditions, and restrictions apply; see banker for details. 3. Cardholder will earn cash back on all net purchases 3% cash back or 3X points is earned on office supplies, wireless telephone services, computer network services and telecommunications services and equipment. 2% cash back or 2X points is earned on airlines and car rentals when the purchase is made directly with the airline or car rental company. 1% cash back or 1X points is earned on all other net purchases. 3% cash back or 3X points and 2% cash back or 2X points applies to the first $750,000 in combined purchases per calendar year, then 1% cash back or 1X points applies thereafter. Cash back and points are not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Must have at least $1 earned cash back or 2,500 points in order to redeem. Purchases redeemed using points must be redeemed within 90 days of purchase date. Account must be in good standing. See the Amazing Cash Back for Business Program Terms and Conditions or Amazing Rewards for Business Program Terms and Conditions for full details.
Online Banking – Pg. 34
1. User Management and certain administrative capabilities are restricted to Customer System Administrators on the business profile. Other conditions may apply, such as if the business has enrolled in Dual Authorization for certain transactions. Refer to the Digital Banking Service Agreement for more information. 2. Mobile Banking requires download of the smartphone version of the California Bank & Trust app from the Apple® App Store or Google Play® App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Business Online Banking. Please refer to the applicable 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.
Mortgage – Pg. 21
1. All loans subject to credit approval. Terms and conditions apply; see banker for details. Zions Bancorporation, N.A. NMLS # 467014. The loan discount rate of 0.125% is available to all new and existing customers on residential purchase portfolio loans. Offer valid through June 30, 2022. 2. The relationship discount program is available to all new and existing customers on new refinance and purchase portfolio loans. Exceptions are: the 3/1 ARM and Employee loans. Zions direct accounts, Business operating accounts and CDs are ineligible deposit account types. Relationship discount program subject to change at any time.
A division of Zions Bancorporation, N.A. Member FDIC © 2022 Zions Bancorporation, N.A.
Equal Housing Lender | SBA Preferred Lender | NMLS #467014
calbanktrust.com/ inyourcorner
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