Personal Checking & Savings Options

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1 Personal Checking & Savings Options Smart solutions for individuals and families

2 Many Flexible Options to Fit Any Lifestyle. Checking Account Comparison Find the right checking account for you by using the chart below or turn to the next page for a comparison of our banking packages, which bundle checking and savings accounts to offer additional benefits and value. A detailed description of each account is provided in this booklet. Ideal for BEYOND BASICS CHECKING SELECT CHECKING SELECT PLUS CHECKING Value-Minded Customers Who Prefer Using Cards More Than Checks, Keep a Low Account Balance, and Use Direct Deposit Customers Who Write More Than 0 Checks Per Month and Maintain $,500 Minimum Daily Account Balance Customers Who Want the Features of Select Benefits Checking and Want to Earn a Competitive Interest Rate PREMIUM PREFERRED CHECKING Customers Who Maintain Larger Account Balances and Want to Earn a Competitive, Tiered Interest Rate Opening Balance Requirement $00 $200 $200 $200 Choose the banking package or stand-alone checking or savings account that best fits your needs. Manage your money, make purchases, and pay bills with the tools and services that are available to you as part of your new banking relationship. And, when you need to, connect with one of our professional bankers for answers to your questions and guidance regarding your financial goals. Unlimited Check Writing Interest Paid Visa Debit Card DirectNET SM Consumer Online Banking CBT Mobile Banking INCLUDED WITH EVERY ACCOUNT (Tiered) CHECKING & SAVINGS PACKAGES Beyond Basics Package... p 5 Family Advantage Package... p 7 estatements, enotices, and etax Documents FEE INFORMATION Classic Value Package... p 9 Premium Preferred Package... p Fee $4, Plus $0.75 For Each Additional Paid Check In Excess of 0 $9 $ $5 CHECKING ACCOUNT OPTIONS Beyond Basics Checking... p 4 Select Benefits Checking... p 5 Select Benefits Plus Checking... p 6 Premium Preferred Checking... p 7 SAVINGS OPTIONS Beyond Basics Savings... p 20 Money Maximizer... p 2 Money Maximizer Plus... p 22 Certificates of Deposit (CDs)... p 23 Individual Retirement Accounts (IRAs)... p 23 $2 Direct Deposit Discount Avoid a Fee Make $250 Direct Deposit, Have 0 Combined Card Transactions, and Have 0 or Fewer Paid Checks Maintain $,500 Daily Minimum or $2,000 Average Balance Maintain $2,500 Daily Minimum or $4,000 Average Balance Maintain $3,500 Daily Minimum or $5,000 Average Balance Monthly Fee $2 $2 $2 $2 Avoid a Monthly Fee Opt Out of s Opt Out of s or Maintain Balances Listed Above Opt Out of s or Maintain Balances Listed Above Opt Out of s or Maintain Balances Listed Above For More Details See Page 4 See Page 5 See Page 6 See Page 7 For additional applicable disclosures, please refer to pages

3 Checking & Savings Package Comparison Find the right CB&T banking package for you using the chart below. To view a side-by-side comparison of the checking accounts included in each package, see the previous page. A detailed description of each banking package and each stand-alone checking and savings account is provided in this booklet. BEYOND BASICS PACKAGE FAMILY ADVANTAGE PACKAGE CLASSIC VALUE PACKAGE PREMIUM PREFERRED PACKAGE Ideal for Value-Minded Customers Who Maintain Relatively Modest Account Balances Customers Who Need Up to 5 Accounts for Themselves or Other Family Members Customers 62 Years of Age or Older Who Want Discounts for Multiple Accounts Customers Who Need Multiple Accounts, Maintain Higher Balances, and Want to Earn a Competitive Tiered Interest Rate Ability to Avoid & Paper Statement Fees on Primary Checking Account No Fees on Secondary Account Primary Checking Account Options Beyond Basics Checking or Select Benefits Checking Select Benefits Plus Checking Select Benefits Plus Checking Premium Preferred Checking Interest Paid on Primary Checking Account (Tiered) Secondary Account Options Beyond Basics Savings or Money Maximizer Beyond Basics Checking, Select Benefits Checking, Money Maximizer, or Money Maximizer Plus Beyond Basics Savings, Money Maximizer, or Money Maximizer Plus Beyond Basics Savings, Money Maximizer, or Money Maximizer Plus DirectNET SM Consumer Online Banking Visa Debit Card Money Reserve Account for Overdraft Protection CB&T Personal Credit Card CB&T Home Mortgage CB&T Home Equity Credit Line Additional Secondary Accounts Consumer CD or IRA Overdraft Deposit Transfer Fee Reimbursement ATM Transaction Fee Waiver Stop Payment Fee Reimbursement Cashier s Check or Money Order Fee Reimbursement Free or Discounted Corporate Image Check Order Notary Service Fee Reimbursement Travelers Cheque Fee Reimbursement Fee Avoid a Fee with Combined Average Balance $5 (Plus $0.75 for Each Additional Check Paid in Excess of 0 if Beyond Basics Checking is Selected) REQUIRED SERVICES (Must maintain two or more) OPTIONAL ACCOUNTS PACKAGE FEE INFORMATION $25 $7 $30 $5,000 $25,000 $5,000 $75,000 For More Details See Page 5 & 6 See Page 7 & 8 See Page 9 & 0 See Page & 2 CHECKING & SAVINGS PACKAGES Get more value out of your banking relationship with one of our packages, which provides benefits for bundling checking and savings accounts. Beyond Basics Package... p 5 Designed for value-minded customers who maintain relatively modest account balances and need both checking and savings accounts. Family Advantage Package... p 7 Designed for families who need a checking account plus one or more checking or savings accounts for themselves or other family members. Classic Value Package... p 9 Specifically designed for individuals who are age 62 or older. Premium Preferred Package... p Designed for those customers with larger account balances. 3 For additional applicable disclosures, please refer to package detail page and pages

4 BEYOND BASICS PACKAGE Designed for value-minded customers who maintain relatively modest account balances, need both checking and savings accounts, and want to combine balances in order to avoid monthly maintenance fees. Select one of the following options as your primary personal checking account: Beyond Basics Checking Select Benefits Checking Avoid a fee on the primary account by maintaining required balances. No fees on the secondary account. 2 Overdraft Deposit Transfer fee reimbursed per statement period on your primary account. ATM Transaction fee waived per statement period on your primary account. 3 Select one of the following as a secondary account: Beyond Basics Savings Money Maximizer The package also requires you to maintain two or more of the following: DirectNET SM Consumer Online Banking Money Reserve Account for Overdraft Protection CB&T Personal Credit Card CB&T Home Mortgage No charge if $5,000 combined average balance is maintained in package accounts (primary and secondary accounts); $5 otherwise. No charge if you opt out of paper statements in favor of estatements for your primary and secondary accounts or maintain the required balances for those individual accounts; otherwise $2 for each account that is not enrolled in estatements or does not meet that account s balance requirements (if eligible). 4 2 If a Beyond Basics Checking account is chosen as the primary account, maintaining the balance requirements for the package will not waive any Excessive Transaction fees (in the amount of $0.75 per paid check) assessed for exceeding the check limits on that account. 3 Fee charged for using a non-cb&t ATM. ATM fees assessed by other financial institutions still apply. DirectNET Consumer Online Banking service must be actively maintained by logging in at least once every 6 months. 4 Beyond Basics Checking does not allow for waiver of the Paper Statement fee by maintaining balances. If that account is included in the package, the fee can be avoided only by opting out of paper statements. 5 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

5 FAMILY ADVANTAGE PACKAGE Designed specifically for customers who need up to five accounts for themselves, children, or other family members. Select Benefits Plus Checking will serve as your primary checking account. Select one of the following as a secondary account: Beyond Basics Checking Select Benefits Checking Money Maximizer Money Maximizer Plus As an option, add one additional account from the list above, that is a different product from selected secondary account, and up to two Beyond Basics Savings accounts. The package also requires you to maintain two or more of the following: DirectNET SM Consumer Online Banking 2 Money Reserve Account for Overdraft Protection CB&T Personal Credit Card CB&T Home Mortgage CB&T Home Equity Credit Line Avoid a fee on the primary account by maintaining required balances. No fees on the secondary account and optional accounts. 3 Overdraft Deposit Transfer fee reimbursed per statement period on your primary account. 2 Non-CB&T ATM transaction fees waived per statement period on your primary account. (The CB&T fee and ATM providers fee will be waived.) Stop Payment fee reimbursed per statement period on your primary account. No charge if $25,000 combined average balance is maintained in package accounts (primary, secondary, and optional accounts); $25 otherwise. No charge if you opt out of paper statements in favor of estatements for your primary, secondary, and optional accounts or maintain the required balances for those individual accounts; otherwise $2 for each account that is not enrolled in estatements or does not meet that account s balance requirements (if eligible). 4 Accounts for minor children and other family members must be held jointly with the adult primary owner of the primary account in the package. 2 DirectNET Online Banking service must be actively maintained by logging in at least once every 6 months. 3 If a Beyond Basics Checking account is chosen as the secondary or optional account, inclusion in or maintaining the balance requirements for the package will not waive any Excessive Transaction fees (in the amount of $0.75 per check) assessed for exceeding the check limits on that account. 4 Beyond Basics Checking does not allow for waiver of the Paper Statement fee by maintaining balances. If that account is included in the package, the fee can be avoided only by opting out of paper statements. 7 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

6 CLASSIC VALUE PACKAGE Designed for customers 62 years of age or older who want discounts for having multiple account relationships as well as discounted check orders and fee-refundable Cashier s Checks and Money Orders. Select Benefits Plus Checking will serve as your primary checking account. Select one of the following as a secondary account: Beyond Basics Savings Money Maximizer Money Maximizer Plus Add optional Consumer Certificate of Deposit (CD) or Individual Retirement Account(s) (IRA). 2 The package also requires you to maintain two or more of the following: DirectNET SM Consumer Online Banking 3 Money Reserve Account for Overdraft Protection CB&T Personal Credit Card CB&T Home Mortgage CB&T Home Equity Credit Line Avoid a fee on the primary account by maintaining required balances. Optional CD and IRA balances are included in the combined average balance, making it easier to maintain required balances. No fees on the secondary account. Corporate Image check order free of printing, shipping, and handling costs per calendar year on your primary account. 4 Cashier s Check or Money Order fees refunded per calendar year on your primary account. No charge if $5,000 combined average balance is maintained in package accounts (primary, secondary, and optional accounts); $7 otherwise. No charge if you opt out of paper statements in favor of estatements for your primary and secondary accounts or maintain the required balances for those individual accounts; otherwise $2 for each account that is not enrolled in estatements or does not meet that account s balance requirements. Must be the primary account holder, as determined by the name listed first on the account. 2 The primary owner of the Select Benefits Plus Checking account must be an owner of the optional CD or IRA in order to be added to the package. 3 DirectNET Online Banking service must be actively maintained by logging in at least once every 6 months. 9 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

7 PREMIUM PREFERRED PACKAGE Designed for customers who need multiple accounts, maintain higher account balances, and want to earn a competitive, tiered interest rate on those balances. Premium Preferred Checking will serve as your primary checking account. Select one of the following as a secondary account: Beyond Basics Savings Money Maximizer Money Maximizer Plus Add optional Consumer Certificate(s) of Deposit (CD) or Individual Retirement Account(s) (IRA). The package also requires you to maintain two or more of the following: DirectNET SM Consumer Online Banking 2 Money Reserve Account for Overdraft Protection CB&T Personal Credit Card CB&T Home Mortgage CB&T Home Equity Credit Line Avoid a fee on the primary account by maintaining required balances. Optional CD and IRA balances are included in the combined average balance, making it easier to maintain required balances. No fees on the required secondary account. (continued) Overdraft Deposit Transfer fee reimbursed per statement period on your primary account. Stop Payment fee reimbursed per statement period on your primary account. 2 Non-CB&T ATM transaction fees waived per month on your primary account. (The CB&T fee and the ATM providers fee will be waived.) Corporate Image check order free of printing, shipping, and handling costs per calendar year or 50% off the printing costs of any other personal style of checks per calendar year on the primary account. 3 (Shipping and handling fees may still apply to the order of personal style checks.) 2 Notary Service fees refunded to your primary account per calendar year. 4 Cashier s Check or Money Order fees refunded to your primary account per calendar year. Travelers Cheque fees refunded to your primary account (one- or two-signer checks). No charge if $75,000 combined average balance is maintained in package accounts (primary, secondary, and optional accounts); $30 otherwise. No charge if you opt out of paper statements in favor of estatements for your primary and secondary accounts or maintain the required balances for those individual accounts; otherwise $2 for each account that is not enrolled in estatements or does not meet that account s balance requirements. The primary owner of the Premium Preferred Checking account must be an owner of the optional CD or IRA in order to be added to the package. 2 DirectNET Consumer Online Banking must be actively maintained by logging in at least once every 6 months. 3 Offer does not include Home Office Desk Products, supply items, nonstandard lettering, messages, monograms, or symbols. For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

8 BEYOND BASICS CHECKING Designed for value-minded customers who don t want to commit to a minimum account balance, but who use direct deposit and prefer using their debit, credit, or ATM cards to conduct transactions. CHECKING ACCOUNTS We offer checking account options to fit any lifestyle. Regardless of how many checks you write in a typical month or your average account balance, we have a checking account that is designed to meet your needs and give you the ability to avoid monthly maintenance fees. Beyond Basics Checking... p 4 Designed for value-minded customers who don t want to commit to a minimum account balance, but who use direct deposit and prefer using their debit, credit, or ATM cards to conduct transactions. Select Benefits Checking... p 5 Designed for customers who write more than 0 checks per month and maintain a $,500 minimum daily account balance. Select Benefits Plus Checking... p 6 Designed for customers who want features and benefits similar to our Select Benefits Checking account, but who maintain a higher account balance in order to earn a competitive interest rate. Premium Preferred Checking... p 7 Designed for customers with larger account balances who want to earn a competitive, tiered interest rate. $00 opening balance requirement No minimum balance requirement DirectNET SM Consumer Online Banking CBT Mobile Banking estatements, enotices, and etax Documents Automatic transfers to a CB&T savings or money market account Avoid fees by making at least 0 total combined debit card, credit card, or ATM card transactions and direct depositing at least $250 into the account each statement period. Avoid monthly fees by opting out of paper statements in favor of estatements. No charge if 0 total combined debit card, credit card, or ATM card transactions are conducted and at least $250 is direct deposited into the account each statement period; $4 otherwise. Additional Check Writing No charge if 0 or fewer checks are paid per statement period; $0.75 fee for each additional paid check. 2 No charge if you opt out of paper statements in favor of estatements; $2 per month otherwise. Must be a CB&T issued credit card, and it must be that of the primary owner of the account. 2 For purposes of the excessive check fee, we count checks as of the date we post them to your account, not as of the date you write them. Bill Pay checks (electronic or paper) are not included in the check count. Checks written (no matter how they are processed) are included. 3 For additional applicable disclosures, please refer to pages

9 SELECT CHECKING SELECT PLUS CHECKING Designed for customers who write more than 0 checks per month and maintain a $,500 minimum daily account balance. $200 opening balance requirement DirectNET SM Consumer Online Banking CBT Mobile Banking estatements, enotices, and etax Documents Automatic transfers to a CB&T savings or money market account Designed for customers who want similar features and benefits to our Select Benefits Checking account, but who maintain a higher account balance in order to earn a competitive interest rate. $200 opening balance requirement DirectNET SM Consumer Online Banking CBT Mobile Banking estatements, enotices, and etax Documents Automatic transfers to a CB&T savings or money market account Avoid fees by maintaining required balances. Avoid monthly fees by opting out of paper statements in favor of estatements or maintaining required balances. Avoid fees by maintaining required balances. Avoid monthly fees by opting out of paper statements in favor of estatements or maintaining required balances. Interest is paid on account balance. No charge if $,500 daily minimum or $2,000 average balance * is maintained; $9 otherwise, or $7 with direct deposit during each statement period. No charge if you opt out of paper statements in favor of estatements or maintain the minimum balances listed above; $2 per month otherwise. No charge if $2,500 daily minimum or $4,000 average balance * is maintained; $ otherwise, or $9 with direct deposit during each statement period. No charge if you opt out of paper statements in favor of estatements or maintain the minimum balances listed above; $2 per month otherwise. 5 * For additional disclosures, please refer to pages * For additional disclosures, please refer to pages

10 PREMIUM PREFERRED CHECKING Designed for customers with larger account balances who want to earn a competitive, tiered interest rate. $200 opening balance requirement DirectNET SM Consumer Online Banking CBT Mobile Banking estatements, enotices, and etax Documents Automatic transfers to a CB&T savings or money market account Avoid fees by maintaining required balances. Avoid monthly fees by opting out of paper statements in favor of estatements or maintaining required balances. A competitive, tiered interest rate is paid on account balance. No charge if $3,500 daily minimum or $5,000 average balance * is maintained; $5 otherwise, or $3 with direct deposit during each statement period. No charge if you opt out of paper statements in favor of estatements or maintain the minimum balances listed above; $2 per month otherwise. More than Just an Account At CB&T, we offer more than ordinary banking products we offer extraordinary banking relationships. Each of our checking accounts and banking packages is backed by our professional guidance and friendly, personal service. Plus, we provide you with access to valuable tools and services designed to give you more control over your finances and higher levels of convenience and flexibility. We look forward to serving you and encourage you to take advantage of the following tools and services: Make purchases online, at the pump, over the phone, or in person. DirectNET SM Consumer Online Banking ** Monitor your account, transfer funds, and pay bills on your schedule. estatements, enotices, and etax Documents Enjoy convenience, security, and less paper clutter. CBT Mobile Banking with CBT Mobile Deposit * Access your accounts anytime, from practically anywhere, and deposit checks remotely. Automatic Transfers Set up preset transfers between your accounts to help meet your savings goals. Also, consider applying for these optional account enhancements: Money Reserve Account for Overdraft Protection ** Cover an occasional overdraft with this personal line of credit. AmaZing Visa Personal Credit Cards ** Choose cash back, rewards points or a great low rate. CB&T Mortgage Loans ** Acquire your first home, dream home, or vacation home with a mortgage loan and the help of our Home Mortgage professionals. CB&T Home Equity Credit Line ** Put the equity in your home to work for you, whether it s your primary home, a second home, or investment/rental property. Visit calbanktrust.com, or call (800) to find the branch nearest you. * Standard text messaging and data fees may apply. All terms and conditions applicable to DirectNET SM Consumer Online Banking apply to CBT Mobile Banking. 7 * ** For additional disclosures, please refer to pages For additional disclosures, please refer to pages

11 BEYOND BASICS SAVINGS Designed for customers who want a traditional savings account with a low minimum balance requirement. $200 opening balance requirement Up to three withdrawals per month included without fee A competitive interest rate is paid on account balance. Avoid a fee by maintaining the required balance. SAVINGS & MONEY MARKET ACCOUNTS All three of our savings and money market accounts were created to help our customers grow their savings safely, with the protection of FDIC insurance. Beyond Basics Savings... p 20 Designed for customers who want a traditional savings account with a low minimum balance requirement. Money Maximizer... p 2 Designed for customers who want to earn a competitive, tiered interest rate on their account balances, while having flexible access to their funds. Money Maximizer Plus... p 22 Designed for customers who want to earn an even higher, tiered interest rate on their account balances, while still having access to their funds. Avoid periodic fees by opting out of paper statements in favor of estatements or maintaining the required balance. The ability to link to a CB&T checking account and benefit from: Visa Debit Card Automatic transfers from checking Other optional services: DirectNET SM Consumer Online Banking CBT Mobile Banking estatements, enotices, and etax Documents No charge if $300 daily minimum balance is maintained; $3 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the minimum balance listed above; $2 per statement period otherwise. Excess Transactions $5 Excessive Transaction fee for each withdrawal, or ACH debit in excess of three per monthly cycle. Additional Savings Options... p 23 Our Certificates of Deposit and Individual Retirement Accounts provide guaranteed returns as well as FDIC protection. Additional Transaction Limitations: Transfers from a savings account or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per monthly statement cycle. By law, if the above limits are exceeded three (3) times in a twelve (2)-month period, the account will be closed or changed to a different type of account. 9 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

12 MONEY MAXIMIZER MONEY MAXIMIZER PLUS Designed for customers who want to earn a competitive, tiered interest rate on their account balances, while having flexible access to their funds. Designed for customers who want to earn an even higher, tiered interest rate on their account balances, while still having access to their funds. $2,500 opening balance requirement Up to six withdrawals per month included without fee $0,000 opening balance requirement Up to four withdrawals per month included without fee A competitive, tiered variable interest rate is paid on account balance. Avoid a fee by maintaining the required balance. Avoid monthly fees by opting out of paper statements in favor of estatements or by maintaining the required balance. The ability to link to a CB&T checking account and benefit from: Visa Debit Card Automatic transfers from checking Other optional services: DirectNET SM Consumer Online Banking CBT Mobile Banking estatements, enotices, and etax Documents No charge if $2,500 average balance * is maintained; $7 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the minimum balance listed above; $2 per statement period otherwise. Excess Transactions $0 Excessive Transaction fee for each check, withdrawal, or ACH debit or preauthorized debit (excluding in-person checks or withdrawals) in excess of six per statement period. A competitive, tiered variable interest rate is paid on account balance. Avoid a fee by maintaining the required balance. Avoid monthly fees by opting out of paper statements in favor of estatements or by maintaining the required balance. The ability to link to a CB&T checking account and benefit from: Visa Debit Card Automatic transfers from checking Other optional services: DirectNET SM Consumer Online Banking CBT Mobile Banking estatements, enotices, and etax Documents No charge if $0,000 average balance * is maintained; $2 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the minimum balance listed above; $2 per month otherwise. Excess Transactions $5 Excessive Transaction fee for each check, withdrawal, or ACH debit in excess of four per statement period. Additional Transaction Limitations: Transfers from a savings account or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per monthly statement cycle. By law, if the above limits are exceeded three (3) times in a twelve (2)-month period, the account will be closed or changed to a different type of account. For purposes of the transaction limitation, we count Money Market checks as of the date we post them to your account, not as of the date you write them. Additional Transaction Limitations: Transfers from a savings account or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per monthly statement cycle. By law, if the above limits are exceeded three (3) times in a twelve (2)-month period, the account will be closed or changed to a different type of account. For purposes of the transaction limitation, we count Money Market checks as of the date we post them to your account, not as of the date you write them. 2 * For additional disclosures, please refer to pages * For additional disclosures, please refer to pages

13 ADDITIONAL SAVINGS OPTIONS IMPORTANT INFORMATION In addition to savings and money market accounts, CB&T has savings solutions that offer competitive interest rates. Our Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) take the uncertainty out of savings for customers who commit their funds for a defined time period. Fixed Rate Certificate of Deposit (CD) & : $5,000 minimum opening deposit Term: 30 days to 60 months or more No fee Interest compounded daily Choice of disbursement options Early withdrawal penalty applies * Jumbo Certificate of Deposit (CD) & : $00,000 minimum opening deposit Term: 30 days to 60 months or more No fee Interest compounded daily Choice of disbursement options Early withdrawal penalty applies * Individual Retirement Account (IRA) & : $500 minimum opening deposit for terms 30 days and over; otherwise $2,000 for 5- to 29-day terms Term: 5 days to 60 months or more $5 annual maintenance fee per plan holder Interest compounded daily Early withdrawal penalty applies * Visit calbanktrust.com, or call (800) to find the branch nearest you. You may also visit one of our offices to learn more. * Early withdrawal penalty applies to withdrawal of funds before maturity, regardless of whether you are eligible to begin receiving plan disbursements. INTEREST INFORMATION PRODUCT SELECT PLUS CHECKING PREMIUM PREFERRED CHECKING PRODUCT BEYOND BASICS SAVINGS MONEY MAXIMIZER MONEY MAXIMIZER PLUS Balance tiers Flat rate of interest paid on all balances; not tiered $0-$2, $2,500-$4, $5,000-$7, $7,500-$9, $0,000-$24, $25,000 & over Balance tiers Flat rate of interest paid on balances; not tiered $0-$9, $0,000-$49, $50,000-$99, $00,000 & over $0-$9, $0,000-$49, $50,000-$99, $00,000-$499, $500,000 -$999, $,000,000 & over IMPORTANT ACCOUNT DISCLOSURES The information contained in this booklet is not intended to be the entire disclosure associated with these accounts. This supplements the information, terms, and conditions contained in the Deposit Account Agreement and Disclosure, Service Charge Information, and DirectNET SM Consumer Online Banking & CBT Mobile Banking brochures. For current rates or more account information, please ask a Financial Services Representative at any branch office. Opening balance requirements described in this booklet will apply to new accounts only. Average balance is determined by taking the daily balance of each calendar day (weekends and holidays included) of the statement period, summing them up, and dividing by the total number of days in the statement period. The daily balance can be found in the daily balances section of your account statement.. Checking Accounts To avoid the fee, the account must have DirectNET Consumer Online Banking and have opted out of receiving paper statements through that application or must meet the balance requirements of that account, if applicable. If multiple accounts are linked in a combined statement, the combined statement 23 24

14 IMPORTANT ACCOUNT DISCLOSURES (continued) must have opted out of receiving paper statements; otherwise a Paper Statement fee will be charged to each account if it does not meet the balance requirements, if any, for that account. 2. Beyond Basics, Family Advantage, Classic Value, and Premium Preferred Packages The following rules, exclusions, and requirements apply to the packages detailed on pages 5 through 2 of this brochure. For existing accounts transferring into packages Any waivers or other special accommodations enjoyed on existing accounts are not transferrable to the applicable package fees. Single Package Enrollment At any given time, an account can be enrolled in only one CB&T relationship package. The combination of required accounts and services listed for each package on pages 5 through 2 of this brochure must be open as of the day prior to the statement date of the primary account (see below). If the required accounts and services are not open as of this date, then the full monthly maintenance fee for the package will be assessed. (For new accounts only, these fees will be waived for the first 62 days the account is open.) If a loan, Money Reserve, or credit card is used to qualify for a package, the loan, Money Reserve, or credit card must be current and not in a delinquent status. Two different qualifying secondary service types must be selected for each package enrollment. Certain monthly fee waivers are offered as a part of the package; if, at any time, qualifying accounts are closed or removed from the package, then normal fees and charges for the account type will apply without further notice to the depositor. Account Eligibility The Packages are offered only to the personal account types listed with each Package description. The following personal account types are not eligible for a package: Personal accounts that are included in a business Account Analysis relationship cannot be part of these packages. 03 Exchange Consumer Checking 03 Exchange Consumer Checking with Interest Associate Checking Associate Savings Classic Checking Classic Interest Checking Grossmont Bank Checking Fresno County Savings IDA Savings Minor Trust Savings (CDs) or IRAs are used as optional accounts, the current balance of those accounts on the day prior to the statement date of the primary account are used. Service fee waivers for overdraft deposit transfers, stop payment, ATM withdrawals, Travelers Cheques, notary service, and check orders will apply only to the primary account selected in the package. Classic Value Package This package is available to customers who are at least 62 years old. If there are multiple customers on the account, then the age of the primary customer, as determined by the first name on the account, is used to determine package eligibility. 3. Personal Savings Beyond Basics Savings limit of 3 withdrawals, includes ACH, drafts, or similar orders payable to third parties. Money Maximizer limit of 6 withdrawals, includes drafts, debit card, preauthorized debits or similar orders payable to third parties. In person checks or withdrawals are not counted against this limit. Money Maximizer Plus limit of 4 withdrawals, includes checks, ACH, drafts, or similar orders payable to third parties. In person checks or withdrawals are counted against this limit. For all the above savings accounts, Excessive Transaction fees apply and are in addition to other penalties. Please see the individual Additional Transactions Limitations described on pages In addition, fees apply on a monthly or quarterly basis depending upon the individual account cycle and activity. If multiple accounts are linked in a combined statement, the combined statement must have opted out of receiving paper statements; otherwise a Paper Statement fee will be charged to each account if it does not meet the balance requirements, if any, for that account. 4. AmaZing Personal Visa Credit Card Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply. See the California Bank & Trust Consumer Credit Card Agreement and Disclosure for more details. All offers subject to change at any time. 5. Money Reserve Account for Overdraft Protection Money Reserve requires a linked CB&T personal checking account and credit approval. Restrictions apply; see a banker for details. This is not a commitment to lend. Loans are subject to approval in accordance with bank eligibility and lending guidelines. 6. CB&T Home Mortgage Loans, CB&T Home Equity Credit Line All loans are subject to credit approval; terms and conditions apply. See a banker for details. This is not a commitment to lend. ZB, N.A. NMLS# Account Ownership For all consumer packages, the primary owner on the primary account, as indicated by the first name to appear on the primary account title, must be a owner on any secondary required or optional accounts added to the package. Irrevocable trust accounts may not be used as a primary or secondary account in any account package offered by California Bank & Trust. Primary Personal Account The primary checking account in your package will serve as your billing account. This is the account that will be charged the package monthly maintenance fee if you fail to meet the balance requirements of the package. The package monthly maintenance fee covers the monthly maintenance fee of the primary, secondary, and in the case of Family Advantage package, any optional accounts in the package. Other fees that may be assessed against the individual accounts, such as Excessive Transaction fees, fees, overdraft fees, etc., are not covered by the package monthly maintenance fee. The combined average balance used to determine whether balance requirements are met for the package is calculated on the day prior to the statement date of the primary account each month. The combined average balance will include the balances in the primary personal checking, secondary account, and any optional accounts. If Certificates of Deposit 25 26

15 Office locations throughout California SAN DIEGO ORANGE COUNTY LOS ANGELES SAN BERNARDINO & RIVERSIDE SAN FRANCISCO BAY AREA SACRAMENTO & CENTRAL VALLEY For 24-Hour Account Information, call CBT Connect at (800) For a list of our locations, please visit our website at calbanktrust.com. To reach the branch or banker nearest you, call (800) California Bank & Trust, a division of ZB, N.A. Member FDIC Equal Housing Lender 206 ZB, N.A. MKT 8 (0/6)

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