In Your Corner Magazine | Fall 2023

Important disclosures

Business Access – Inside front cover

to investment risks, including the possible loss of principal value or amount invested. Amegy Bank, California Bank & Trust, The Commerce Bank of Oregon, The Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, Zions Bank are divisions of Zions Bancorporation, N.A.

1. Loans subject to credit approval. Terms and conditions apply. See banker for details. 2. Subject to credit approval and SBA approval. Terms and conditions apply. See banker for details.

Business Credit Card – Page 25

Season of Giving – Page 7

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 are subject to change at any time. 2. Amazing Rewards for Business Cardholder will earn reward points on all net purchases. Three reward points are earned on office supplies, wireless telephone services, computer network services and telecommunications services and equipment. Two reward points are earned on airlines and car rentals when the purchase is made directly with the airline or car rental company. One reward point is earned on all other purchases. Three reward points and two reward points apply to the first $150,000 in combined purchases per calendar year, then one reward point applies thereafter. Reward points are not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Purchases must be redeemed within 90 days of purchase date and you must have at least 2,500 points to redeem. Account must be in good standing. See the Amazing Rewards Program Terms and Conditions for full details. 3. 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 in combined 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.

1. Season of Giving and Receiving Sweepstakes. NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. SUBJECT TO ALL APPLICABLE FEDERAL, STATE, AND LOCAL LAWS AND REGULATIONS . Sweepstakes starts on 11/1/23 at 12:00:01 a.m. ET and ends on 12/31/23 at 11:59:59 p.m. ET. Open to legal residents of the 50 United States and D.C. including the territories of Guam and Saipan who are 18 years of age or older and are registered accountholders at a participating Financial Institution. Void where prohibited. For complete Official Rules including details on how to enter by mail, visit https://cloud.e.fiserv. com/2023_SOGR_Rules. Sponsor: Fiserv Solutions, LLC, 255 Fiserv Drive. Brookfield, WI 53045. 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 purchase protection program for any payments made with Zelle ® . This promotion is in no way sponsored, endorsed, administered by or associated with Early Warning Services, LLC or Zelle ® . Zelle ® and the Zelle ® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Q&A with Erica Fernandez, Senior Vice President, Region Manager for Northern California’s Core Banking (Business Centers & Business Banking), California Bank & Trust

INTERVIEW BY DEBRA GELBART

How did you choose banking as a career path? Originally, I planned to be an engineer and I got an

Take the initiative and learn through formal training or reading books, but also keep in mind there’s a huge opportunity to learn from others—every person has something unique to offer.

internship with NASA in the 1990s. But discovering I was more of a people person, I took a teller position at a major bank in Northern California in 1995. After three months, I became a branch assistant manager. From there, I become a branch manager and then transitioned to commercial banking, leading teams to success in growing commercial and business relationships. I was fortunate to have had the opportunity to balance my experience in retail banking and commercial banking, which helped me earn the role as a region manager for Northern California. I’ve been at CB&T now for two years, having the great pleasure of overseeing the core banking team and supporting the needs of our personal and business clients.

What has been the greatest challenge in your current role?

After two regional banks based in the Bay Area failed in the early part of this year, we had to convince our customers and prospective customers that they didn’t have to be afraid of our balance sheet and financials. We made sure to share with the community why we’re different from other banks and how our financial position is strong, emphasizing that we’re well-capitalized. I think our calm demeanor and the level of professionalism we demonstrated allowed us to reassure the community and retain our customer base.

Credit/Debit Holiday – Page 19

1. Holiday Giving, Holiday Winning Sweepstakes rules. See Sweepstakes Official Rules at calbanktrust.com/credit-holiday for full details. Customers who use their personal CB&T Visa ® credit or debit card during the sweepstakes period of November 6, 2023 through January 7, 2024 will automatically be entered into the sweepstakes drawing with an opportunity to win $10,000. One (1) entry allowed per transaction made. Only one (1) prize will be awarded in the amount of $10,000. Official rules apply. No purchase necessary. Must be at least 18 years old and a legal resident of California. CB&T employees, affiliates, immediate family members and individuals living in the same household with such employees are not eligible to enter. All tax liabilities, if any, associated with any prize are the responsibility of the winner. See Sweepstakes Official Rules for details.

Recognitions – Page 34

1. Readers of the San Diego Union-Tribune recognized CB&T as Best Bank for the 13th straight year. In addition, CB&T was named Best Commercial Bank for the 10th year in a row. Copyright © 2023, The San Diego Union-Tribune.

What do you enjoy most about your current role? I really enjoy seeing my team of 18 direct reports

Share with us your commitment to helping children get adopted.

and their teams of about 100 people be successful. I enjoy celebrating both small and large wins for my team. I also love taking tours of business owners’ operations and learning what they do and how they do it. We help a variety of businesses, including those that support the technology and semiconductor industries, which, of course, are a huge focus in the Bay Area.

My father was adopted, so I’ve always had a heart for adoption. At a networking event, I sat next to the CEO of Lilliput Children’s Services, who, it turns out, was looking for new board members. It was fate that we connected. I became the board chair of the organization a few years later. At the time, we were looking to partner with a larger organization to expand our reach beyond Northern California. We merged with Wayfinder Family Services and now we provide adoption services for the entire state of California under the Wayfinder name. I’m now the finance chair of the merged organization.

3. Coalition Greenwich is a leading global provider of data, analytics and insights to the financial services industry. The Greenwich Excellence Awards are presented in 19 categories each for middle market and small business, based on more than 20,000 interviews with businesses nationwide evaluating more than 500 banks.

Wealth Management – Page 24

1. California Bank & Trust & fiduciary investment services are provided through Wealth & Fiduciary Services within Wealth Management, a division of Zions Bancorporation, N.A. Investment products and services are NOT insured by the FDIC or any federal or state governmental agency, are NOT deposits or other obligations of, or guaranteed by, Zions Bancorporation or its affiliates, and MAY be subject

What career advice can you share? Demonstrate a growth mindset and take every

opportunity to learn. No matter how many years of experience someone has, there’s always room to grow.

Equal Housing Lender | SBA Preferred Lender | NMLS #467014

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IN YOUR CORNER ISSUE 15 | 2023

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