Personal Checking and Savings Options Brochure 2022

Money Market Account Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances while having flexible access to their funds. Features & Benefits • Minimum opening deposit of $500 • Variable rate, compounded daily, 13 paid monthly • Earn a more competitive interest rate 13 than traditional savings accounts on balances over $1,000 • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account • Make unlimited withdrawals at a California Bank & Trust branch or ATM 12 • Write checks for extra flexibility in accessing your Money Market funds 7 • Use Online & Mobile Banking to manage finances on your time through a mobile phone, tablet or computer 2 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 7

Fees Can the monthly fee be waived?

Yes, by keeping a minimum daily 6, 6a balance of $1,000, or by linking to a Premium Interest Checking account, 8 otherwise $12.

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For additional applicable disclosures, please refer to pages 15 – 17

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