*In South Dakota, Bank of the West operates under the name Bank of the West California.

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1 THE BANK OF THE WEST* PAPERLESS ONLINE STATEMENTS SWEEPSTAKES OFFICIAL RULES NO BANK ACCOUNT, PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN. A BANK ACCOUNT, PURCHASE, OR PAYMENT WILL NOT IMPROVE YOUR CHANCES OF WINNING. SWEEPSTAKES ENTRY PERIOD: The Bank of the West Paperless Online Statements Sweepstakes begins at 12:00:01 AM Pacific Time ( PT ) on Saturday, October 11, 2014 and ends at 11:59:59 PM PT on Friday, November 21, 2014 (the Sweepstakes Period ). ELIGIBILITY: The Bank of the West Paperless Online Statements Sweepstakes (the Sweepstakes ) is open only to legal residents of AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, and WY, age 18 or older at the time of entry. Void elsewhere and wherever prohibited by law. Employees of Bank of the West (the "Sponsor"), US Sweepstakes & Fulfillment Company (the Sweepstakes Administrator ) and its respective subsidiaries, affiliates, advertising and promotion agencies, and the immediate family members of, and/or those living in the same household of each, are not eligible to enter. Sweepstakes is subject to all applicable federal, state and local laws and regulations. ENTRY: There are two (2) ways to enter. Method #1: Automatic Entry by going Paperless. Bank of the West Customers will be automatically entered into the sweepstakes by enrolling a personal Checking Account, Savings Account or Money Market Account (each a Qualifying Account ) in paperless Online Statements as the only statement delivery method. To do this, during the Sweepstakes Period, go to and follow the instructions to sign up to receive paperless Online Statements for at least one (1) Qualifying Account ( Automatic Entry ) by primary account holder. Qualifying Account used for Automatic Entry must still be enrolled in Online Statements as the only statement delivery method as of the last day of the Sweepstakes Period. Automatic Entry is only available for primary account holders of personal Checking Account, Savings Account and Money Market Accounts not enrolled in paperless Online Statements as of October 10, Your entry will be automatic and will not be acknowledged via or otherwise by the Sponsor. Automatic entrants are subject to all notices posted online including but not limited to the Sponsor s Privacy Policy. *In South Dakota, Bank of the West operates under the name Bank of the West California. Method #2: Mail-in Entry. To enter by mail, eligible participants must send a 3 x5 card including participant s full name, complete address, address and phone number to: The Bank of the West Paperless Online Statements Sweepstakes, Marketing Department, 2527 Camino Ramon, San Ramon, CA Each eligible participant s entry must be mailed separately and must be postmarked between Saturday, October 11, 2014 and Friday, November 21, 2014, and received by Friday, November 28, 2014 ( Mail-in Entry ). Photocopied, illegible, or mechanically reproduced entries are not eligible. All entries become the property of the Sponsor and will not be

2 returned or acknowledged. Sponsor is not responsible for lost, late, damaged, misdirected or postage-due mailed entries. Limit: One (1) Entry per participant during the Sweepstakes Period regardless of entry method and whether entrant has more than one address or more than one (1) account. Additional entries will be disqualified. If a participant attempts to enter by mail and Paperless Enrollment, only the Paperless Enrollment entry will be eligible. If a participant enrolls more than one account, only one will be eligible. All methods of entry have an equal chance of winning. All entries become the property of the Sponsor and will not be acknowledged or returned. PRIZE/APPROXIMATE RETAIL VALUE ( ARV )/ODDS: Grand Prize: There is one (1) Grand Prize available to be won of $25,000. The ARV of the Grand Prize is: $25, First Prize: There are twenty-five (25) First Prizes available to be won of $1,000 each. The ARV of the First Prize is: $1, each. The ARV of all First Prizes is: $25, The total ARV of all prizes available to be won: $50, Odds of winning will depend upon the total number of eligible entries received. RANDOM DRAWING: The potential winners will be selected in a random drawing on or about Friday, December 12, 2014 from among all eligible entries received, which will take place at the offices of the Sponsor. WINNER NOTIFICATION: Potential Grand Prize and First Prize winners will be notified via and/or phone. Each potential winner will be required to sign and return, within seven (7) days of transmission by Sponsor or Sponsor s representative, an Affidavit of Eligibility, a Liability Waiver, a W-9 Form and where allowable, a Publicity Release (collectively, "the Releases"). The Releases will require the potential winner to furnish his/her Social Security Number for the sole purpose of tax reporting, as required by law. Noncompliance will result in disqualification and an alternate winner may be selected. The prize will be awarded within approximately 45 days after the winner is verified. Prize will be deposited in the Consumer Checking Account or Money Market Account the winner used to complete his/her Automatic Entry. If a winner enrolls multiple personal checking or money market accounts in paperless Online Statements, Prize will be deposited in the newly enrolled paperless Consumer Checking Account or Money Market Account with the earliest open date. If the winner used a Savings Account to complete his/her entry the prize will be awarded in the form of a check. If winner does not have a Bank of the West personal Checking Account or Money Market Account the prize will be awarded in the form of a check. If a winner is otherwise eligible under these Official Rules, but is nevertheless deemed a minor in his or her state of primary residence, the prize will be awarded in the name of winner's parent or legal guardian who will be required to execute, sign, and return the Releases on minor s behalf. If Releases or prize are returned as undeliverable or if the selected potential winner cannot accept or

3 receive the prize for any reason, or he/she is not eligible or otherwise in compliance with these Official Rules, the prize will be forfeited and an alternate potential winner will be selected. PRIZE CONDITIONS: All expenses related to the acceptance or use of the prize are the sole responsibility of prize winner. Prizes are non-assignable or transferable. No substitution is permitted except at the sole discretion of the Sponsor in which case a prize of equal or greater value will be awarded. Prize winners are responsible for all federal, state, local and income taxes associated with winning the prize. Prizes with be reported to the Internal Revenue Service on the appropriate 1099 form. Except where prohibited by law, entry and acceptance of prize constitutes permission to use winner's name, prize won, hometown, likeness, video tape, photographs, and statements for purposes of advertising, promotion and publicity (including online posting) in any and all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification or permission. Prizes are awarded as is with no warranty or guarantee, either express or implied by Sponsor. Winners acknowledge that the Official Sponsor and all other businesses affiliated with this Sweepstakes and their agents do not make, nor are in any manner responsible for any warranty, representations, expressed or implied, in fact or in law, relative to the quality, conditions, fitness or merchantability of any aspect of the prize being offered. GENERAL TERMS/ DISCLAIMER/ RELEASE: Participating entrants agree to these Official Rules and the decisions of the Sweepstakes Administrator and the Sponsor, which are final and binding. Participating entrants further agree to release, indemnify and hold harmless the Sponsor, the Sweepstakes Administrator, and each of their respective affiliated companies, and all other businesses involved in this Sweepstakes, as well as the employees, officers, directors and agents of each (collectively, the Releasees ), from all claims and liability relating to their participation in the promotion, and the acceptance and use/misuse of the prize offered. Winner assumes all liability for any injury or damage caused or claimed to be caused, by participation in this Sweepstakes or use/misuse or redemption of the prize. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of the prize. Sponsor may, at its sole discretion and to the maximum extent permitted by applicable law, change or modify these rules or cancel, terminate or modify the Sweepstakes if for any reason this Sweepstakes is not capable of running as planned due to an infection by a computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the reasonable control of the Sponsor which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes. Failure to comply with these Official Rules may result in disqualification from the Sweepstakes. Sponsor further reserves the right at its sole discretion, to disqualify from any Sponsor sweepstakes any individual who tampers with the entry process or who Sponsor otherwise reasonably believes has intentionally violated these Official Rules. In the event of termination or cancellation, Sponsor or the Sweepstakes Administrator will conduct a random drawing from among all eligible entries received at the time of the Sweepstakes termination. The Releasees assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. The Releasees are not responsible for: lost, late,

4 misdirected, damaged or illegible entries; any problems or technical malfunctions of any telephone network or telephone lines, computer on-line systems, servers, providers, computer equipment, or software; failure of any or entry to be received by the Sponsor due to technical problems, human error or traffic congestion on the Internet or at any Web site; or any combination thereof, including any injury or damage to participant s or any other person s computer relating to or resulting from participating in this Sweepstakes or downloading any materials in this Sweepstakes. The Releasees are not responsible for incompatibility of entrant s hardware, software or browser technology. In the event that an entry is confirmed by Sponsor to have been erroneously deleted, lost or destroyed, participant s sole remedy shall be another entry into the Sweepstakes. Sponsor s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. If any provision of these Official Rules is held to be invalid or unenforceable, such provision shall be struck, and the remaining provisions shall be enforced. NOTICE TO ONLINE ENTRANTS: In the event of a dispute over the identity of an online entrant, entry will be deemed submitted by the primary account holder of the Qualifying Account associated with the entry. Sponsor may ask any entrant or potential winner to provide Sponsor with proof that such party is the authorized account holder associated with the entry. Entry materials/data that have been tampered with or altered, or mass entries or entries generated by a script, macro or use of automated devices are void. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY DAMAGE, DESTROY, TAMPER OR VANDALIZE THIS WEB SITE OR INTERFERE WITH THE OPERATION OF THE SWEEPSTAKES, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW. DISPUTES: Except where prohibited, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the state of California. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant s rights and obligations, or the rights and obligations of the Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the state of California without giving effect to any choice of law or conflict of law rules (whether of the State of California or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the state of California. The remedy for any claim shall be limited to actual damages, and in no event shall any party be entitled to recover punitive, exemplary, consequential, or incidental damages, including attorney s fees or other such related costs of bringing a claim, or to rescind this agreement or seek injunctive or any other equitable relief. THE PARTIES HEREBY WAIVE THEIR RIGHT TO JURY TRIAL WITH RESPECT TO ALL CLAIMS AND ISSUES ARISING OUT OF OR RELATING TO THIS AGREEMENT WHETHER SOUNDING IN CONTRACT OR TORT, AND INCLUDING ANY CLAIM FOR FRAUDULENT INDUCEMENT THEREOF. PRIVACY: By entering and providing the required entry information, entrants acknowledge that the Sponsor may also send information, samples or special offers it believes may be of interest to

5 entrant, or other information or goods offered by its marketing partners. Personal information collected from online entrants is subject to the Privacy Policy of the Sponsor, which can be found at https://www.bankofthewest.com/security-center-personal/policies.html. OFFICIAL RULES REQUEST: To request a copy of the Official Rules, see or send a self-addressed, stamped envelope by Monday, December 1, 2014, to: The Bank of the West Paperless Online Statements Sweepstakes Official Rules Request, Marketing Department, 2527 Camino Ramon, San Ramon, CA WINNER CONFIRMATION: For a written confirmation of the winner (available after Friday, December 12, 2014) send a stamped, self-addressed envelope (no later than Friday, February 13, 2015), to: The Bank of the West Paperless Online Statements Sweepstakes Winner Confirmation Request, Marketing Department, 2527 Camino Ramon, San Ramon, CA SPONSOR: Bank of the West, 180 Montgomery Street, San Francisco, CA SWEEPSTAKES ADMINISTRATOR: US Sweepstakes & Fulfillment Co., 625 Panorama Trail, Suite 2100, Rochester, NY Void outside AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, and WY and wherever prohibited by law.

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