Business Checking & Savings Options

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1 Business Checking & Savings Options Solutions for businesses of all sizes and types

2 Smart, Tailored Solutions Select the business banking package, stand-alone checking, or savings account that best fits your needs. Receive payments, pay bills, make purchases, and manage your cash with the tools and services that are available to your business as part of your California Bank & Trust (CB&T) banking relationship. And, when you re ready, access the financing, purchasing, and fraud prevention solutions you need to grow your business, increase operational efficiencies, enhance cash flow, and reduce risk. Checking Account Comparison Find the right checking account for your business 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. for All Types of Businesses BUSINESS ESSENTIALS CHECKING BUSINESS ESSENTIALS PLUS CHECKING BUSINESS ADVANTAGE CHECKING BUSINESS ADVANTAGE PLUS CHECKING Ideal for Businesses with Modest Levels of Banking Activity and Maintain a Low Minimum Account Balance Businesses with Modest Levels of Banking Activity and Want to Earn a Competitive Interest Rate Businesses with Intermediate Levels of Banking Activity and Maintain a Moderate Account Balance Businesses That Can Maintain Larger Account Balances and Want to Earn a Competitive, Tiered Interest Rate Opening Balance Requirement $200 $200 $200 $200 Combined Monthly Transaction Limit Combined Monthly Deposited and Purchased Coin/Currency $3,000 $3,000 $10,000 $10,000 Interest Paid (Tiered) CB&T Business Visa Debit Card Direct Business Internet Banking Direct Business Plus Internet Banking INCLUDED WITH EVERY ACCOUNT BUSINESS ANALYZED ACCOUNT Large Businesses with the Highest Levels of Account Activity That Benefit from Comprehensive Treasury Management Solutions. With this account, fees will be charged for the services your business uses, and part or all of the charges can be offset by a monthly earnings credit. For additional information on the Business Analyzed Account, please see page 14 and refer to our Account Analysis Brochure. CHECKING & SAVINGS PACKAGES Business Essentials Package... p 5 CBT Business Mobile Banking Business Advantage Package... p 7 estatements and enotices CHECKING ACCOUNT OPTIONS Business Essentials Checking... p 10 Business Essentials Plus Checking... p 11 Business Advantage Checking... p 12 Business Advantage Plus Checking... p 13 Fee $7 (Plus $0.40 for Each Additional Transaction in Excess of 75 and $0.15 for Each $100 of Deposited and Purchased Coin/Currency in Excess of $3,000) FEE INFORMATION $9 (Plus $0.40 for Each Additional Transaction in Excess of 75 and $0.15 for Each $100 of Deposited and Purchased Coin/Currency in Excess of $3,000) $15 (Plus $0.40 for Each Additional Transaction in Excess of 400 and $0.15 for Each $100 of Deposited and Purchased Coin/Currency in Excess of $10,000) $20 (Plus $0.40 for Each Additional Transaction in Excess of 400 and $0.15 for Each $100 of Deposited and Purchased Coin/Currency in Excess of $10,000) Business Analyzed Account... p 14 Attorney Client Checking... p 14 Avoid a Fee Maintain $2,000 Minimum or $4,000 Average Collected Balance Maintain $3,000 Minimum or $5,000 Average Collected Balance Maintain $5,000 Minimum or $10,000 Average Collected Balance Maintain $10,000 Minimum or $15,000 Average Collected Balance SAVINGS OPTIONS Business Savings Builder... p 16 Business Money Maximizer... p 17 Business Money Maximizer Plus... p 18 Monthly Fee $3 $3 $3 $3 Avoid a Monthly Fee 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 Opt Out of s or Maintain Balances Listed Above For More Details See Page 10 See Page 11 See Page 12 See Page 13 1 For additional applicable disclosures, please refer to pages

3 Business Package Comparison Find the right CB&T business 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. BUSINESS ESSENTIALS PACKAGE BUSINESS ADVANTAGE PACKAGE Ideal for Businesses with Modest Levels of Banking Activity Businesses with Intermediate Levels of Banking Activity Ability to Avoid & Paper Statement Fees on Primary Checking Account No Fees on Secondary Account Primary Checking Account Options Business Essentials Checking or Business Essentials Plus Checking Business Advantage Checking or Business Advantage Plus Checking Interest Paid on Primary Checking Account Business Essentials Plus Checking Business Advantage Plus Checking (Tiered) Secondary Account Options (Note: Secondary Account type must be different than Primary Account.) Direct Business Internet Banking or Direct Business Plus Internet Banking CB&T Business Visa Debit Card CB&T Business Credit Card Business Line of Credit Business Loan Overdraft Service Transfer Fee Waiver Stop Payment Fee Waiver Incoming Wire Transfer Waiver Up to $75 Off First Order of Checks Free CX30 Remote Deposit Scanner Fee Avoid a Fee Business Savings Builder, Business Money Maximizer, Business Money Maximizer Plus, Business Essentials Checking, Business Essentials Plus Checking, Personal Checking 1 REQUIRED SERVICES (Must maintain two or more) PACKAGE BENEFITS 2 FEE INFORMATION $20 (Volume-based fees are per account and depend on the types of accounts included in the package. See pages 5 & 6 for details.) Maintain $10,000 Average Collected Balance in Primary Account or $18,000 Combined Average Collected Balance Business Savings Builder, Business Money Maximizer, Business Money Maximizer Plus, Business Advantage Checking, Business Advantage Plus Checking, Business Essentials Checking, Business Essentials Plus Checking, Personal Checking 1 $30 (Volume-based fees are per account and depend on the types of accounts included in the package. See pages 7 & 8 for details) Maintain $20,000 Average Collected Balance in Primary Account or $30,000 Combined Average Collected Balance For More Details See Pages 5 & 6 See Pages 7 & 8 1 Qualifying Sole Proprietorships only 2 Limitations apply, refer to pages 7 10 for details Manage Your Business Finances More Effectively All of our packages and stand-alone checking accounts offer tools and services that enable you to access your accounts, monitor activity, and manage your cash position quickly and easily from your computer or mobile device. Direct Business Internet Banking View accounts, statements, and current-day transactions. Transfer funds between accounts. Pay bills and set up future payments. Direct Business Plus Internet Banking Take advantage of all the features of Direct Business Internet Banking, plus: Make tax payments online. Transfer payroll and reimbursement funds to employee accounts. CBT Business Mobile Banking Supplement your Direct Business Internet Banking or Direct Business Plus Internet Banking account. Access your accounts, pay your bills, and deposit checks from anywhere using your mobile phone or device. CalBank Network SM Customize this suite of Treasury Management and image delivery tools. Monitor account activity. View images of checks and deposits. Initiate transactions. estatements & enotices Enroll in estatements and enotices and opt out of paper. View statements and notices online. BUSINESS BANKING PACKAGES Conveniently bundle accounts and services and streamline day-to-day banking with one of our business banking packages. Make the most of your banking relationship by choosing the package that best meets your unique needs and delivers the maximum value. Business Essentials Package... p 5 Easily manage a modest level of business banking activity. Gain access to multiple accounts by bundling a primary checking account with a secondary checking, savings, or money market account. Business Advantage Package... p 7 Efficiently control an intermediate level of business banking activity. Pair a primary checking account with a secondary checking, savings, or money market account and customize with powerful banking tools. Does your business have a higher level of banking activity each month? If so, our Business Analyzed Account was designed just for you. (See page 14 for features and benefits.) 3 For additional applicable disclosures, please refer to package detail page and pages

4 BUSINESS ESSENTIALS PACKAGE Easily manage a modest level of business banking activity. Gain access to multiple accounts by bundling a primary checking account with a secondary checking, savings, or money market account. FEATURES & REQUIREMENTS Select one of the following options as your primary business checking account: Business Essentials Checking Business Essentials Plus Checking Select one of the following, different from your primary account, as a secondary account: Business Savings Builder Business Money Maximizer Business Money Maximizer Plus Business Essentials Checking Business Essentials Plus Checking Personal Checking* Use two or more different types of services from the following list for each package in which your business is enrolled: Direct Business Internet Banking or Direct Business Plus Internet Banking CB&T Business Visa Debit Card CB&T Business Credit Card Business Line of Credit Business Loan BENEFITS Select one of the following for a one-time discount: Up to $75 off first order of checks for new accounts Free CX30 remote deposit scanner with Remote Deposit Web Client The ability to avoid monthly maintenance fees either by maintaining required balances in the primary account or by maintaining the combined balance in the primary and secondary accounts. No monthly maintenance fees on the secondary account. Up to two free overdraft service transfers, stop payments, and incoming wire transfers per month. These waivers will only apply to the primary account selected in the package. No charge if $10,000 average collected balance in primary account or $18,000 combined average collected balance is maintained; $20 otherwise. If you have opted out of paper statements in favor of estatements for your primary and secondary accounts or maintain the required balances for those individual accounts, there is no charge; otherwise $3 for each account that receives a paper statement or does not meet that account s balance requirements. The number of transactions and the dollar amount of deposited and purchased coin/currency included without incurring volume-based fees is dependent on the types of accounts you choose to open within your package. Any excessive transaction fees will be assessed on the individual account transaction limits, and transaction counts cannot be combined across multiple accounts. * Personal accounts for qualifying sole proprietorships only. 5 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

5 BUSINESS ADVANTAGE PACKAGE Efficiently control an intermediate level of business banking activity. Pair a primary checking account with a secondary checking, savings, or money market account and customize with powerful banking tools. FEATURES & REQUIREMENTS Select one of the following options as your primary business checking account: Business Advantage Checking Business Advantage Plus Checking Select one of the following, different from your primary account, as a secondary account: Business Savings Builder Business Money Maximizer Business Money Maximizer Plus Business Advantage Checking Business Advantage Plus Checking Business Essentials Checking Business Essentials Plus Checking Personal Checking* Use two or more different services from the following list for each package in which your business is enrolled: Direct Business Internet Banking or Direct Business Plus Internet Banking CB&T Business Visa Debit Card CB&T Business Credit Card Business Line of Credit Business Loan BENEFITS Select one of the following for a one-time discount: Up to $75 off first order of checks for new accounts Free CX30 remote deposit scanner with Remote Deposit Web Client The ability to avoid monthly maintenance fees either by maintaining required balances in the primary account or by maintaining the combined balance in the primary and secondary accounts. No monthly maintenance fees on the secondary account. Up to two free overdraft service transfers, stop payments, and incoming wire transfers per month. These waivers will only apply to the primary account selected in the package. No charge if $20,000 average collected balance in primary account or $30,000 combined average collected balance is maintained; $30 otherwise. If you have opted out of paper statements in favor of estatements for your primary and secondary accounts or maintain the required balances for those individual accounts, there is no charge; otherwise $3 for each account that receives a paper statement or does not meet that account s balance requirements. The number of transactions and the dollar amount of deposited and purchased coin/currency included without incurring volume-based fees is dependent on the types of accounts you choose to open within your package. Any excessive transaction fees will be assessed on the individual account transaction limits, and transaction counts cannot be combined across multiple accounts. * Personal accounts for qualifying sole proprietorships only. 7 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

6 BUSINESS ESSENTIALS CHECKING Get the banking tools your business needs with this ideal checking solution for businesses with modest levels of banking activity. Avoid fees by maintaining a low minimum balance. CHECKING ACCOUNTS Streamline day-to-day banking and avoid monthly maintenance fees by selecting the right checking account for your business. Choose from a range of smart checking solutions designed to provide value to all types of businesses. Business Essentials Checking... p 10 Get the banking tools your business needs with this ideal checking solution for businesses with modest levels of banking activity. Avoid fees by maintaining a low minimum balance. Business Essentials Plus Checking... p 11 Earn interest with this checking account designed for businesses with modest levels of banking activity. Enjoy a competitive interest rate and avoid fees by maintaining a higher account balance. Business Advantage Checking... p 12 Successfully conduct intermediate levels of banking activity with this checking account, which gives your business the ability to avoid fees by maintaining a moderate account balance. Business Advantage Plus Checking... p 13 Earn interest with this checking account made for businesses with an intermediate level of banking activity. Maintain a higher account balance to avoid fees and enjoy a competitive interest rate. Business Analyzed Account... p 14 Effectively administer higher levels of banking activity and benefit from comprehensive Treasury Management solutions. Maintain a larger account balance and offset part, or all of the service fees with an earnings credit. Attorney Client Checking... p 14 Receive and disburse client funds with this checking account designed for California attorneys. $200 opening balance requirement. The ability to avoid monthly maintenance and paper statement fees by maintaining required balances. Combined transaction limit of 75 to accommodate your banking activity. Up to $3,000 combined deposited and purchased coin/currency per month included without fee. No charge if $2,000 minimum or $4,000 average collected balance is maintained; $7 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the balances listed above; $3 otherwise. 75 total transactions per month included without fee. $0.40 fee for each additional transaction in excess of 75 per month. Included transactions are deposits, ACH credits, deposited items, checks, ACH debits, and remote deposits and remote deposited items. coin/currency per month in excess of $3,000. ADDITIONAL OPTIONS Once you have selected the account that is right for you, consider adding the following: CB&T Business Visa Debit Card Direct Business Internet Banking Direct Business Plus Internet Banking CBT Business Mobile Banking estatements and enotices (See page 3 for features and benefits information.) 9 For additional applicable disclosures, please refer to pages

7 BUSINESS ESSENTIALS PLUS CHECKING BUSINESS ADVANTAGE CHECKING Earn interest with this checking account designed for businesses with modest levels of banking activity. Enjoy a competitive interest rate and avoid fees by maintaining a higher account balance. Successfully conduct intermediate levels of banking activity with this checking account, which gives your business the ability to avoid fees by maintaining a moderate account balance. A competitive interest rate is paid on your account balance. No minimum balance is required to earn interest. $200 opening balance requirement. The ability to avoid monthly maintenance and paper statement fees by maintaining required balances. Combined transaction limit of 75 to accommodate your banking activity. Up to $3,000 combined deposited and purchased coin/currency per month included without fee. $200 opening balance requirement. The ability to avoid monthly maintenance and paper statement fees by maintaining required balances. Combined transaction limit of 400 gives you more flexibility with your banking activity. Up to $10,000 combined deposited and purchased coin/currency per month included without fee. No charge if $3,000 minimum or $5,000 average collected balance is maintained; $9 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the balances listed above; $3 otherwise. 75 total transactions per month included without fee. $0.40 fee for each additional transaction in excess of 75 per month. Included transactions are deposits, ACH credits, deposited items, checks, ACH debits, and remote deposits and remote deposited items. coin/currency per month in excess of $3,000. No charge if $5,000 minimum or $10,000 average collected balance is maintained; $15 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the balances listed above; $3 otherwise. 400 total transactions per month included without fee. $0.40 fee for each additional transaction in excess of 400 per month. Included transactions are deposits, ACH credits, deposited items, checks, ACH debits, and remote deposits and remote deposited items. coin/currency per month in excess of $10,000. ADDITIONAL OPTIONS Once you have selected the account that is right for you, consider adding the following: CB&T Business Visa Debit Card Direct Business Internet Banking Direct Business Plus Internet Banking CBT Business Mobile Banking estatements and enotices (See page 3 for features and benefits information.) ADDITIONAL OPTIONS Once you have selected the account that is right for you, consider adding the following: CB&T Business Visa Debit Card Direct Business Internet Banking Direct Business Plus Internet Banking CBT Business Mobile Banking estatements and enotices (See page 3 for features and benefits information.) 11 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

8 BUSINESS ADVANTAGE PLUS CHECKING BUSINESS ANALYZED ACCOUNT Earn interest with this checking account made for businesses with an intermediate level of banking activity. Maintain a higher account balance to avoid fees and enjoy a competitive interest rate. A competitive, tiered variable interest rate is paid based on your account balance. The interest tiers are as follows: $0-$9,999 $100,000-$499,999 $10,000-$49,999 $500,000-$999,999 $50,000-$99,999 $1,000,000 and over $200 opening balance requirement. The ability to avoid monthly maintenance and paper statement fees by maintaining required balances. Combined transaction limit of 400 gives you more flexibility with your banking activity. Up to $10,000 combined deposited and purchased coin/currency per month included without fee. No charge if $10,000 minimum or $15,000 average collected balance is maintained; $20 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the balances listed above; $3 otherwise. 400 total transactions per month included without fee. $0.40 fee for each additional transaction in excess of 400 per month. Included transactions are deposits, ACH credits, deposited items, checks, ACH debits, and remote deposits and remote deposited items. coin/currency per month in excess of $10,000. ADDITIONAL OPTIONS Once you have selected the account that is right for you, consider adding the following: CB&T Business Visa Debit Card Direct Business Internet Banking Direct Business Plus Internet Banking CBT Business Mobile Banking estatements and enotices Effectively administer higher levels of banking activity and benefit from comprehensive treasury management solutions. Maintain a larger account balance and offset part, or all of the service fees with an earnings credit. This account provides the flexibility to use many different Treasury Management solutions on an as needed basis. An itemized list of services is provided each month along with applicable service charges. An earnings credit is also calculated each month, and that credit can offset part, or all, of the account service charges. If service charges are not fully offset, the statement will indicate what account balance is required to avoid all charges. For additional information on Account Analysis services, please refer to our Account Analysis brochure. ATTORNEY CLIENT CHECKING Receive and disburse client funds with this checking account designed for California attorneys. California Bank & Trust is an approved depository of IOLTAs. Interest earned on this account is remitted to the State Bar of California in accordance with statutory requirements. Attorneys must maintain a separate operating account with California Bank & Trust. The operating account will be charged service-related fees that cannot be assessed to the IOLTA account. (See page 3 for features and benefits information.) 13 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

9 BUSINESS SAVINGS BUILDER Build your savings and avoid fees with this traditional savings account that requires a low minimum balance. $300 opening balance requirement. The ability to avoid monthly fees by maintaining required balances. Combined transaction limits provide you more flexibility with your banking activity. Up to 3 withdrawals per month included without fee. SAVINGS ACCOUNTS Grow strong and secure cash reserves with our comprehensive business savings or money market solutions. Enjoy the safety of FDIC insurance, while benefiting from the ability to avoid monthly maintenance fees. Business Savings Builder... p 16 Build your savings and avoid fees with this traditional savings account that requires a low minimum balance. Business Money Maximizer... p 17 Earn a market rate of interest and benefit from flexible access to funds with this money market account. Business Money Maximizer Plus... p 18 Earn higher interest rates and still enjoy access to funds by maintaining a higher balance in this money market account. No charge if $500 minimum balance is maintained; $5 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the balances listed above; $3 otherwise. 50 total credit transactions per month included without fee. $0.40 fee for each additional transaction in excess of 50 per month. Included credit transactions are deposits, ACH credits, deposited items, and remote deposits and remote deposited items. coin/currency per month in excess of $3,000. Excess Debits $5 excessive transaction fee for each withdrawal, or ACH debit in excess of 3 per monthly cycle. 15 For additional applicable disclosures, please refer to pages

10 BUSINESS MONEY MAXIMIZER BUSINESS MONEY MAXIMIZER PLUS Earn a market rate of interest and benefit from flexible access to funds with this money market account. $2,500 opening balance requirement. Up to $3,000 combined deposited and purchased coin/currency per month included without fee. 6 withdrawals per month included without fee. A competitive, tiered variable interest rate is paid based on your account balance. The interest tiers are as follows: $0-$9,999 $50,000-$99,999 $10,000-$49,999 $100,000 and over No charge if $2,500 average collected balance is maintained; $7 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the balances listed above; $3 otherwise. 50 total credit transactions per month included without fee. $0.40 fee for each additional transaction in excess of 50 per month. Included credit transactions are deposits, ACH credits, deposited items, and remote deposits and remote deposited items. coin/currency per month in excess of $3,000. Excess Debits $10 excessive transaction fee for each check, withdrawal, or ACH debit or pre-authorized debit (excluding in-person checks or withdrawals) in excess of 6 per monthly cycle. Earn higher interest rates and still enjoy access to funds by maintaining a higher balance in this money market account. $10,000 opening balance requirement. Up to $3,000 combined deposited and purchased coin/currency per month included without fee. 4 withdrawals per month included without fee. A competitive, tiered variable interest rate is paid based on your account balance. The interest tiers are as follows: $0-$9,999 $100,000-$499,999 $10,000-$49,999 $500,000-$999,999 $50,000-$99,999 $1,000,000 and over No charge if $10,000 average collected balance is maintained; $12 otherwise. No charge if you opt out of paper statements in favor of estatements or maintain the balances listed above; $3 otherwise. 50 total credit transactions per month included without fee. $0.40 fee for each additional transaction in excess of 50 per month. Included credit transactions are deposits, ACH credits, deposited items, and remote deposits and remote deposited items. coin/currency per month in excess of $3,000. Excess Debits $15 excessive transaction fee for each check, withdrawal, or ACH debit in excess of 4 per monthly cycle. 17 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

11 Maximize Your Benefits At California Bank & Trust, we build strong business banking relationships by offering a wide variety of financial options and the knowledge you need to make the most of them. Access to Capital Business Lines of Credit and Term Loans Whether you need a line of credit for working capital or a term loan to purchase new equipment or expand your business, our professional business bankers can help you get the funding you need. Commercial Real Estate Loans Competitive conventional and SBA financing options are available to enable you to purchase or refinance a commercial property for your business. Leases Obtain the equipment your business needs with a True Tax, TRAC, or Finance Lease. Our professional business bankers can help you determine the lease that is right for you. Purchasing Power AmaZing Visa Business Credit Cards Enhance your business purchasing power and efficiency with a business credit card. Choose the AmaZing Rewards for Business Visa Credit Card or AmaZing Cash for Business Visa Credit Card. Commercial Card A card solution designed to offer your large business the flexibility you need for every type of card use, from fleet cards to travel and purchasing cards. Collection & Disbursement Services Remote Deposit Make deposits anytime, 24/7, by scanning checks and depositing them right from your PC. Automated Clearing House (ACH) Transactions Speed up collections by directly debiting customer accounts. ACH can also be used to pay your own regularly occurring expenses, such as payroll and vendor payments, from your own account. Customer Payment Solutions Merchant Services Merchant Services provided by TransFirst, LLC. A variety of Electronic Draft Capture (EDC) credit card transaction and mobile payment systems are available to fit the needs of your business so you can offer your customers more payment options. Information Management Direct Business Internet Banking View accounts, statements, and current-day transactions; transfer funds between accounts, pay bills, and set up future payments quickly and easily. Direct Business Plus Internet Banking Take advantage of all the features of Direct Business Internet Banking, plus make tax payments online, and transfer payroll and reimbursement funds to employee accounts. CBT Business Mobile Banking Access your accounts, pay your bills, and deposit checks from anywhere, using your mobile phone or device with this supplemental service to Direct Business Internet Banking or Direct Business Plus Internet Banking. CalBank Network SM Monitor account activity, view images of checks and deposits, and initiate transactions using this customizable collection of Treasury Management and image delivery tools. estatements and enotices Opt out of paper statements by enrolling in estatements and enotices. View statements and notices on your computer. Fraud Prevention Positive Pay View images of checks that don t match your issue information. Reverse Positive Pay View images of checks and determine whether they should be paid or returned. ACH Positive Pay Filter or block unauthorized electronic transactions. Additional Services Account Reconciliation Settlement Reporting Cash Vault Courier Service Armored Car Service Call one of our experienced business bankers to learn how we can customize these solutions to help you grow your business, maximize efficiencies, and give you more control over your finances. 19 For additional applicable disclosures, please refer to pages For additional applicable disclosures, please refer to pages

12 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, AmaZing Business Visa Credit Card, Service Charge Information, and Direct Business & Direct Business Plus Internet Banking & CBT Business 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. 1. Checking Accounts To avoid the Fee, the account must have either Direct Business or Direct Business Plus Internet Banking, and have opted out of receiving paper statements through those applications, or must meet the balance requirements of that account. If multiple accounts are linked in a combined statement, the combined statement must have opted out of receiving paper statements; otherwise a Fee will be charged to each account if it does not meet the balance requirements. 2. Business Essentials and Business Advantage Packages The following rules, exclusions, and requirements apply to the Business Essentials and Business Advantage packages detailed on pages 5 through 8 of this brochure. Single Package Enrollment At any given time, an account can only be enrolled in one CB&T relationship package. The combination of required accounts and services listed for each package on pages 5 through 8 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, regardless of the balances in the package accounts. If a business loan or credit card is used to qualify for a package, the loan or credit card must be current and not in a delinquent status. The secondary account selected in a package must be a different account type than the primary account selected. 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 Ownership These Packages are offered to all business account types with the exception of Public Funds accounts and Business Analyzed Accounts. Accounts in an Account Analysis relationship cannot be part of these packages. Business accounts must have the same ownerships as determined by a common Company Name and Tax Identification Number. Primary Business Account You must designate a primary business checking account 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 only covers the monthly maintenance fee of the primary and secondary accounts in the package. Other fees that may be assessed against the account, such as excessive transaction fees, overdraft fees, etc., are not covered by the package monthly maintenance fee. The combined average collected balance used to determine if balance requirements are met for the package is determined on the day prior to the statement date of the primary account each month. The combined average collected balance will include the balances in the primary business checking and secondary account only. Service fee waivers for overdraft service transfers, stop payment, and incoming wire transfers will only apply to the primary account selected in the package. 3. Business Savings Business Savings Builder limit of 3 withdrawals includes ACH, drafts, or similar orders payable to third parties. Business Money Maximizer limit of 6 withdrawals includes drafts, debit card, pre-authorized debits, or similar orders payable to third parties. In person checks or withdrawals are not counted against this limit. Business Money Maximizer Plus limit of 4 withdrawals which 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, which may include conversion to a demand account or the closure of the account. In addition, Maintenance and fees apply on a monthly or quarterly basis depending upon the individual account cycle and activity. To avoid the fee, the savings account must be enrolled in either Direct Business or Direct Business Plus Internet Banking, and have opted out of receiving paper statements through those applications. If multiple accounts are linked in a combined statement, the combined statement must have opted out of receiving paper statements; otherwise a fee will be charged to each account. 4. Remote Deposit Web Client An application is required and is subject to approval. A qualifying CB&T business checking account is required. Standard pricing includes monthly scanner fee(s) in addition to any fees associated with the business checking account. 5. Credit Cards Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply. See California Bank & Trust Business Credit Card Agreement and Disclosure Statement for more details. All offers subject to change at any time. Participation in the AmaZing Cash for Business Visa Credit Card requires a business checking account in good standing and in the same Company name as the credit card holder. 6. Merchant Services Merchant Services products and services are provided by TransFirst, LLC. CB&T is not affiliated with TransFirst and does not provide, warrant, or guaranty TransFirst products or services. Subject to approval by TransFirst, LLC. An application is required. Initial setup fee applies to programming and phone training for one location. Businesses with multiple locations may have setup fees for additional locations. 7. Loans All loans are subject to credit approval and appraisal. 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

13 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 2016 ZB, N.A. MKT 102 (01/16)

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