Important Disclosures
have received an introductory promotional bonus within the previous 48 months. Transactional items such as cash advances, balance transfers, returned merchandise, etc., do not qualify toward $3,000 or $50,000 spend amount. Bonuses will be awarded within 4 to 6 weeks of qualifying. Bonus cash for AmaZing Cash for Business cardholders and bonus reward points for AmaZing Rewards for Business cardholders will be added to your cash back or reward points balance. Bonus cash for AmaZing Rate for Business cardholders will be applied as a statement credit. Certain terms, conditions and restrictions apply. 2. 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 $150,000 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. 3. 0.00% Introductory APR on purchases for the first six months, after that, the variable APR will range from 10.25% - 14.25%. Introductory APR does not apply to cash advances. Purchases made during the first six months of account opening will not be charged any interest. Minimum balance payments are still required each month. 0.00% Introductory APR on balance transfers for six months from the date the balance transfers post to the account with AmaZing Rate for Business, 10.25% variable APR after that. A 3% balance transfer fee for each transfer ($5 minimum) will apply. Transfers made during the introductory period will not be charged any interest. Balance transfer must be requested within 60 days of account opening. Minimum balance payments are still required each month. 4. Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. The APRs mentioned are accurate as of 01/28/2021, and actual APR may vary with the market based on the Prime Rate as published in The Wall Street Journal. Offers available for new credit cards only. All offers are subject to change at any time; may not be available with all card types. Tax-savvy tips to enhance your financial planning success (Page 24-25) Investments are not insured by the FDIC or any federal or state government agency, are not deposits of or other obligations of, or guaranteed by, Zions Bancorporation, N.A., or its affiliates, and may be subject to investment risks, including the possible loss of principal value or amount invested. This article is offered for informational purposes only and should not be construed as tax, legal, financial, or business advice. Please contact a professional about your specific needs.
Owner-Occupied Commercial Real Estate (Page 5) 1. Loans subject to credit approval. Terms and conditions apply. Offer good January 13, 2021, through May 31, 2021. Loans must be approved by July 15, 2021 and booked within 90 days of the loan approval date. New loans and refinance of existing CB&T loans eligible if: 1) new loan amount is equal to or greater than existing principal balance, and; 2) any contractual prepayment penalty owed on the existing loan is collected in full. Properties must be 51% owner occupied and for general purpose use. SBA 504 loans are eligible. Offer available on loan amounts of $500,000 to $5,000,000. Introductory rate of 1.99% is fixed for first 12 months. After 12 months, rate reverts to a promotional fixed rate determined at loan closing. Maximum fixed rate option is 10 years. Requires a CB&T business checking account for auto-debit of monthly payment. If auto-debit is not established and maintained, the rate will increase by 25 bps. Appraisal/environmental fees up to $5,000 will be waived. Prepayment penalty applies. This is not an offer to lend. Loans are subject to credit approval in accordance with bank eligibility and lending guidelines. Other lending programs are available. Offer subject to change at any time. See a banker for full details. Treasury Management Select (Page 9) 1. See Treasury Management Select fee schedule Certain Treasury Management services may require credit approval. Offer limited to new treasury management clients. Up to 90-days (3 billing cycles) fee waiver for ACH Payments, Positive Pay, Remote Deposit Capture and Online Wire Transfers. Fee waiver applies to $35 monthly service fees. Some exclusions may apply. Offer expires May 31, 2021. Business Complete (Page 13) 1. Products and services are provided by third-party commercial vendors and may be subject to applicable contracts, agreements or credit approval. California Bank & Trust, a division of Zions Bancorporation, N.A., is not affiliated with such third-party vendors and does not provide, warrant or guaranty their products or services. Consult your financial, legal and accounting advisors as California Bank & Trust does not provide legal, accounting and tax advice. California Bank & Trust may receive compensation from the third-party vendors as a result of customers' receipt of the described services. What is the investment outlook? (Page 14-15) 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 to investment risks, including the possible loss of principal value or amount invested. California Bank & Trust, is a division of Zions Bancorporation, N.A. The material presented in this Market Insight is for informational purposes only and should not be used or construed as a recommendation in respect of any security, sector or investment strategy, and should not be construed or relied upon as advice or guidance as to the appropriateness of any investment decision. Please consult your tax or financial advisor for additional information concerning your specific situation. Business AmaZing Credit Card (Page 22-23) 1. Welcome Bonus Cash or Reward Points - Bonus cash offer applies to new AmaZing Cash for Business and AmaZing Rate for Business Credit Cards. Bonus reward points offer applies to new AmaZing Rewards for Business Credit Cards. Bonus subject to credit approval. One bonus payment is allowed per business, not per account or per card. Bonus not available to clients with an open business credit card relationship within the previous 12 months, or to clients who
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