Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services

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1 Rewards Banking The more you bank, the more benefits you receive. Earn higher rates on select products Take advantage of account services Save with special discounts Get money back on select fees

2 All Rabobank customers enjoy many benefits at no extra cost, including: Rewards Banking Mobile banking 1 Online banking estatements Personal service from our knowledgeable banking staff Access to over 600 Rabobank & Walgreens ATMs throughout California With Rewards Banking, earn rewards simply by being a loyal customer and using our products and services, or by maintaining minimum balances. The more you bank, as a Rewards Banking customer, the more benefits you automatically receive each month. Bronze Silver Gold Platinum Earn Higher Rates Higher rates on Rabobank personal CDs % +0.20% Higher rates on Rabobank Personal Money Market accounts % +0.20% Take Advantage of account services Checking account with no monthly maintenance fee 3,4 Personal Savings Account with no monthly maintenance fee ($200 opening balance required) Save with Special Discounts Special rate discounts on consumer loans % 0.15% 0.25% Fee discounts on home mortgage (first lien) $200 $350 Up up to $750 off an appraisal 6 Discount on safe deposit box rental $10 $15 $20 Get money back Monthly rebates of Rabobank fees when using other banks ATMs Unlimited Monthly overdraft fee reimbursement See Important Information about Rewards Banking on page 6 for complete details. 1 Your mobile carrier s message and data rates may apply. 2 Rate bonuses are as of 3/1/15 and subject to change. Refer to the Summary of Deposit Rates Offered for current interest rates. 3 See Schedule of Fees and Minimum Balances for monthly maintenance fee for Bronze level for Rewards Banking checking and Rewards Banking with Interest checking accounts. 4 Maintenance fee for Rewards Banking checking (non-interest bearing account) is waived when the primary customer is at least 60 years of age, regardless of level. 5 Automatic loan payment from Rewards Banking checking account required to be eligible for discount. See Rewards Banking Customer Guide for consumer loans eligible for special rate discounts. 6 Appraisal fee amounts over $750 must be covered by the borrower. 7 Rebates do not apply to fees charged by non-rabobank ATM operator or any network used. 8 Excludes daily overdraft charges and transfer fees. See Important information about Rewards Banking on page 6 for additional details. See Understanding Your Deposit Account Agreement & Disclosures and Schedule of Fees and Minimum Balances for complete details about the terms and conditions that apply to deposit accounts and services. 2 3

3 Here s how it works Every month, we ll review your banking relationship and automatically determine your rewards level Bronze, Silver, Gold, or Platinum. If you qualify for a higher rewards level, you ll automatically move up to that level. If you qualify for a lower level, you ll have a grace period of 30 days before you move to the lower level giving you a month to increase your balance or use additional services, and maintain or move up to the next rewards level. You re always in control of your rewards level. So if you want to take advantage of a specific reward for example, the appraisal fee discount on a home mortgage simply choose one of three options to qualify for Platinum level. 3 ways to qualify for a rewards level Bronze Silver Gold Platinum Option 1 1 Set up monthly direct deposits of $500+ and choose three of the following minimums from the same rewards level: Online Bill Pays each month Have a Rabobank credit card Yes Yes Yes Debit card purchases each month Receive a monthly ebill Yes Yes Yes Consumer loan minimum balance(s) $50,000 $100,000 $250,000 OR estatements instead of paper statements each month Minimum number of continuous years you ve been a Rabobank customer (includes your time as a customer of Rabobank s predecessor banks) Yes Yes Yes Option 2 Maintain an average monthly checking account balance of at least: No minimum $1,000 2 $5,000 $25,000 OR Option 3 Maintain a combined monthly balance of all qualifying deposit accounts of at least 3 : No minimum $10,000 $50,000 $100,000 1 This option is not available for Rewards Banking with Interest checking. 3 Applies to certain Consumer Deposit Products. See the Rewards Banking Customer Guide for more information. 2 Rewards Banking with Interest checking requires $2,500 average monthly balance to qualify at the Silver level. 4 5

4 Important information about Rewards Banking This overview provides important information about the fees, discounts, and special rates offered with your Rewards Banking account. Checking account Account opening minimum deposit Monthly maintenance fee $100 All levels of Rewards Banking (non-interest bearing account) for age 60+: no fee. The maintenance fee will be waived when the primary customer on the non-interest bearing Rewards Banking account is at least 60 years old at the time the rewards evaluation occurs. Rewards Banking with Interest rewards levels are determined solely by average monthly deposit balance(s). Other maintenance fee waiver options do not apply. 6 Monthly maintenance fees on additional Rewards Banking accounts Fees Non-Rabobank ATM fees Overdraft fee for checks, ATM withdrawals, and electronic bill pay Paper statement fee Savings account maintenance fee Discounts Consumer loan discount Home mortgage fee discount Safe deposit box discount A customer can have multiple Rewards Banking checking accounts, but only one of those accounts can receive Rewards Banking benefits (including the maintenance fee waiver). No fees at all California Walgreens ATMs Other domestic ATMs and international ATMs - see Schedule of Fees and Minimum Balances Overdraft fees are reimbursed: Gold: 1 fee reimbursement per month Platinum: 2 fee reimbursements per month Platinum rewards level: no fee Waived when associated with Rewards Banking account Rewards Banking offers special rate discounts on certain consumer loans. Silver rewards level: $200 fee discount Gold rewards level: $350 fee discount Platinum rewards level: Up to $750 off a home appraisal fee. Rewards Banking offers special rate discounts on safe deposit box rentals by rewards level. However, when the average monthly balance in an additional account meets at least the Silver rewards level minimum, that additional account s maintenance fee will be waived. When eligible at the qualifying rewards level, Rabobank will reimburse the domestic ATM transaction fee charged by Rabobank when a non-qualifying, non-rabobank ATM is accessed. This will appear as a reimbursement on the customer statement, and will not post to the customer s account until the rewards evaluation occurs. The reimbursement(s) will apply to Rabobank ATM fees that occurred during the evaluation period. Customer is responsible for any fees charged by other institutions for the use of their ATMs. Reimbursements appear on customer statements after the evaluation period and apply only to individual overdrafts and non-sufficient funds that occurred during the evaluation period. Three days prior to the statement cycle, Rabobank will evaluate the balances, transactions, and services enrolled in Rewards Banking to determine the rewards level for that statement cycle. Rabobank is not obligated to honor a draft on an account that has non-sufficient funds. Excludes daily overdraft charges and transfer fees - see Schedule of Fees and Minimum Balances. No fee when the primary customer is at least 60 years of age and meets Silver or Gold rewards level qualifying requirements. The maintenance fee for ONE Personal Savings account will be waived when it is associated with the Rewards Banking account at the time the Personal Savings maintenance fee would normally apply. Minimum opening balance of $200 required. When enrolled in automatic payment, a Rewards Banking customer will receive an additional rate discount on eligible consumer loans corresponding to their rewards level at the time of loan origination. Automatic payment from the Rewards Banking account is required to maintain the rate discount. See Rewards Banking Customer Guide for a list of consumer loan products that are eligible for special rate discounts. A Rewards Banking customer may receive a fee discount on a Rabobank home mortgage corresponding to their rewards level. Customers who qualify for the Platinum level will receive up to $750 off a home appraisal. Appraisal fee amounts over $750 must be covered by the borrower. Credits will be applied at the closing of the mortgage loan. Primary residences only. Not all mortgages are eligible, please contact your Rabobank mortgage loan representative for details and exclusions. Discounts are applied when the bill is due. Any outstanding balance will be deducted from the Rewards Banking account. (Continues on back) 7

5 Preferred rates Personal Money Market rates Personal Certificate of Deposit (CD) rates A bonus interest rate is added to Personal Money Market accounts associated with the Rewards Banking account. A bonus interest rate is added to CD accounts enrolled in Rewards Banking by rewards level. A bonus interest rate corresponding to the customer s rewards level will be added to Personal Money Market accounts associated with the Rewards Banking account. The bonus interest wiii accrue each day the customer is in a rewards level eligible for that bonus interest. Excludes Personal Investment Money Market accounts. A bonus interest rate corresponding to the customer s rewards level will be added to the base rate of CD accounts enrolled in Rewards Banking. The bonus interest will accrue each day the customer is in a rewards level eligible for that bonus interest. If a customer withdraws their CD early, an early withdrawal penalty will apply; see CD disclosure for details. Questions? Stop by any Rabobank branch and speak with a banker Call your local branch or (888) Go to rabobankamerica.com Rabobank can change, alter, modify, or discontinue rewards benefits at any time, and may or may not be required to notify customers of certain changes. See Understanding Your Deposit Account Agreement & Disclosures and Schedule of Fees and Minimum Balances for complete terms and conditions that apply to deposit accounts and services. Refer to the Summary of Deposit Rates Offered for current interest rates. MKT-016 (03/15) 2015