Consortium Card (Page 1) 1. Some restrictions or limitations may apply. Subject to credit approval. Important disclosures Credit Card & Holiday Giving, Holiday Winning Sweepstakes (Pages 10-11) 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 subject to change at any time. 2. Bonus Cash Back – Bonus offer applies to new Agility Cash cardholders, subject to credit approval. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible for cash back earnings. Cardholders earn double cash back for the first 12 billing cycles after account opening, up to $200 bonus cash back. Bonus cash, along with cash back earned at your ongoing rate, will be added to your redeemable cash back balance once each month when your account statement is generated. Certain terms, conditions, and restrictions apply. 3. Agility Cash – For every $1 spent on net purchases, Agility Cash cardholders earn 1.5% cash back. 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 to redeem. Account must be in good standing. See Agility Cash Program Terms & Conditions for details. 4. Intro Purchase APR Offer – 0.00% introductory APR for first 6 months on purchases, thereafter, the variable APR will range from 12.25% to 24.25% based on a margin and your credit worthiness. These APRs are accurate as of 09/07/2021 and actual APR may vary with the market based on the Prime Rate as published in The Wall Street Journal . Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments may still be required each month. 5. Intro Balance Transfer Offers – 0.00% introductory APR on balance transfers for the first 12 months; thereafter, the variable APR will range from 12.25% to 24.25%. For new accounts, balance transfer requests must be received within 60 days of account opening. Transfers made during this 60-day period will not be charged any interest. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Minimum balance payments
are still required each month. These APRs are accurate as of 09/07/2021 and actual APR may vary with the market based on the Prime Rate as published in The Wall Street Journal . 6. Cell Phone Protection – Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. For further details or to make a claim, please refer to your Guide to Benefits, go to www.cardbenefitservices.com or call 1-866- 894-8569. If you are outside the U.S., you can call collect: 1-303-967-1096. 7. Zero Liability – Cardholders are not responsible for fraudulent charges made with their card or account information as long as they promptly notify the bank of unauthorized card use. Does not apply to business ATM or PIN transactions. Disputed transactions must be posted to the account before provisional credit is issued. For specific conditions, limitations, and other details, please call the number on the back of the card. 8. 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 October 18, 2021 and January 9, 2022 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 applicable tax liabilities, including federal, state or local, are the sole responsibility of the winner and the winner may receive an IRS 1099 for the value of the prize. See Official Rules for alternative method of entry. Small Business Diversity Lending (Pages 20-21) 1. Loans subject to credit approval. Certain terms, conditions and restrictions apply. Contact a banker for details. Celebrate the Season Sweepstakes (Page 33) 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. Sweepstakes starts at 12:00:01 a.m. ET on 11/1/21 and ends at 11:59:59 p.m. ET on
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IN YOUR CORNER ISSUE 9 | 2021
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