ACCOUNT JULY 2, 2012 WILL CHANGE YOUR CHECKING. The transition. will be seamless

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1 YOUR CHECKING ACCOUNT WILL CHANGE JULY 2, 2012 The transition will be seamless Your account number, checks and debit card all remain the same. Your electronic transfers, bill pay and direct deposits will not be interrupted.

2 WHY THE CHANGE? At NB AZ, we want your banking to be clear, simple and convenient, so you can spend me time focusing on what really matters to you and less time wrying about your finances. That s why we ve updated our checking account line-up. These changes will make it easier f you to understand your options, manage your account and reward you f how you like to bank. With each account, we re providing ways f you to receive the same excellent service at little no cost! WHAT IS CHANGING? On July 2, 2012, the NB AZ checking account line-up will be streamlined and will include new features and benefits, while providing options to waive monthly fees. Find your current account in the chart to the right and the new account it will transition to. Please note that if you have an account not named in the chart, it will remain unchanged. If you like your new account, you re all set. It will automatically change on July 2 and there s nothing you need to do. Or, browse your other checking options inside to see if there s a better fit, then give us a call at stop by your local branch. We ll be happy to make the change f you. See page 3 to find out the name of your new account. See pages 4 7 f all the features of your new account. See page 8 f answers to questions about the conversion.

3 YOUR NEW ACCOUNT IF YOUR CURRENT ACCOUNT IS: YOUR NEW ACCOUNT WILL BE: NB AZ Checking Seni Checking Personal Checking NB AZ Checking PERSONAL ATM Access Interest Checking Seni NOW Green Returns Value Connection Value Connection Plus Executive Banking Relationship Checking NB AZ Interest Checking Green Returns Value Connection Executive banking RELATIONSHIP Checking InGroup Checking InGroup Interest Checking Student Checking InGroup Checking IF YOUR CURRENT ACCOUNT IS: YOUR NEW ACCOUNT WILL BE: BUSINESS Business Freedom Basic Business Business Edge Business Edge Plus Analysis Checking Business Checking Remote Deposit Checking Business Freedom Business Connection Business Analysis what is my current account? You can find the name of your current account on your monthly account statement by logging into online banking at nbarizona.com.

4 STANDARD ACCOUNT FEATURES The new NB AZ account line-up is designed with your needs in mind to have clear terms, be simple to maintain and have transparent fees that are easy to avoid based on how you like to bank. Take a look at your new account to the right and make sure it s the best fit f you. Keep in mind, all NB AZ accounts come packed with the following features: PERSONAL Experience the NB AZ Advantage with these special features! NB AZ Visa Debit Card with unlimited NB AZ ATM access Purchase AlertsTM powered by Visa 3 No charge from NB AZ f using any other bank s ATMs1 Online Security Center with Trusteer Rappt No non-sufficient funds fees when account is overdrawn $10 less Online purchase protection Combined statements Mobile banking3 Check images estatements & enotices4 myphotocard 2 Online banking & bill pay BUSINESS NB AZ Visa Business Debit Card with unlimited NB AZ ATM access Purchase AlertsTM powered by Visa 3 No charge from NB AZ f using other bank s ATMs1 Online Security Center with Trusteer Rappt Combined statements Online banking & bill pay5 Detailed month-end statements estatements & enotices4 Check images InGroup Banking myphotocard BENEFITS PACKAGE F clients 60 years and up, the new NB AZ 60+ Benefits provides the flexibility to choose ANY account that wks f you and enhance it with even me benefits at no cost. In addition to the standard features included in your checking account, the 60+ Benefits offers FREE : NB AZ custom checks (one box per year) Cashier s checks Traveler s checks Small safe deposit box6 AmaZing RewardsTM ALL current Seni Checking & Seni NOW clients will be automatically enrolled on July 2. 1.) Fees charged by other bank may apply. 2.) First customization is free. Each additional card is $ ) Data charges from service provider may apply. 4.) Must be enrolled in Online Banking. 5.) 500 free viewable transactions per month; 20 each additional. 6.) Subject to availability. 25% discount on other sizes.

5 If you prefer simplicity and like to avoid fees with a minimum monthly balance, take a look at these accounts. Do you like banking on the go and less paper to clutter your life? This account may be a great fit. NB AZ Checking NB AZ Interest Checking Green Returns PERSONAL ACCOUNTS Straight-fward checking that makes avoiding fees easy with either direct deposit a minimum monthly balance. Earn interest on your deposits with this basic checking account. Earn interest and receive extra perks with no minimum balance requirements. FEATURES & BENEFITS FEATURES & BENEFITS FEATURES & BENEFITS Eligible f 60+ Benefits to calculate fee waiver 1 Earns interest 2 Eligible f 60+ Benefits to calculate fee waiver 1 Earns interest 2 5 automatic rebates of any other bank s ATM fees per month Eligible f 60+ Benefits No minimum balance MONTHLY FEE MONTHLY FEE MONTHLY FEE $8 $8 $8 OPTIONS TO WAIVE FEE OPTIONS TO WAIVE FEE OPTIONS TO WAIVE FEE $100 minimum direct deposit $1,000 average balance $2,500 average balance $100 minimum direct deposit and estatements and 10 purchases using NB AZ Debit Card Credit Card per statement cycle have questions want to choose another account? Call visit your local NB AZ branch. See next page f imptant disclosure infmation.

6 Have multiple accounts with us? Be rewarded f your entire banking relationship with one of these benefit-packed accounts. There s power in numbers! If your employer school is enrolled, receive valuable benefits through our InGroup Banking program. Value Connection Executive Banking Relationship Checking InGroup Checking PERSONAL ACCOUNTS Enjoy premium rates and extra benefits by combining your deposit and loan balances to offset fees. Dedicated relationship management and premium pricing f eligible clients. 5 Benefit from added perks, ATM rebates and multiple ways to avoid fees. See a banker f eligibility details. FEATURES & BENEFITS FEATURES & BENEFITS FEATURES & BENEFITS Earns interest 2 5 automatic rebates of any other bank s ATM fees per month Eligible f 60+ Benefits Bonus rates on Money Market and select CD accounts 3 Free cashier s checks Free traveler s checks Free small safe deposit box 6 Free AmaZing Rewards TM to calculate fee waiver 1 No maintenance fee on any linked account Earns interest 2 10 automatic rebates of any other bank s ATM fees per month Bonus rates on Money Market and select CD accounts 3 Free cashier s checks Free traveler s checks Free custom E B checks Free small safe deposit box 6 Free incoming wires Free AmaZing Rewards TM Free ID theft resolution No maintenance fee on any linked account 5 automatic rebates of any other bank s ATM fees per month Eligible f 60+ Benefits Free cashier s checks Free traveler s checks Free small safe deposit box 6 Free AmaZing Rewards TM to calculate fee waiver 1 Free InGroup Savings account MONTHLY FEE MONTHLY FEE MONTHLY FEE $15 $25 $8 OPTIONS TO WAIVE FEE OPTIONS TO WAIVE FEE OPTIONS TO WAIVE FEE 4 products and $10,000 combined average balance of qualified deposit accounts 4 4 products and $25,000 combined average deposit and outstanding loan balances of qualified accounts 4 $25,000 combined average balance of qualified deposit accounts 4 $75,000 combined average deposit and outstanding loan average balances of qualified accounts 4 $100 minimum direct deposit 7 $500 average balance $100 minimum monthly transfer from another NB AZ account 1.) Monthly average balance method is used to determine the minimum balance in your account. Monthly average balance is the sum of daily balances in a month divided by the number of days in that month. 2.) The daily collected balance method is used to calculate the interest on your account. The method applies a daily periodic rate to the collected principal balance in the account each day. Interest earned on daily collected balances of $1 me. 3.) Bonus rates f CDs opened with a minimum of $5,000 f a term of 6 months longer. 4.) Qualified personal products f minimum product and balance requirement f the relationship include: checking, savings, money market, CD, IRA and personal loans. Additional products f minimum product requirement f Value Connection include online banking, Visa debit card and safe deposit box. If outstanding loan balances are paid down during the statement cycle and combined deposit balance is less than the account minimum, the monthly maintenance fee will be applied to the base account. 5.) Executive Banking program requires an annual income of $100,000 me and a net wth of $500,000 me. 6.) Subject to availability. 25% discount on other sizes. 7. Includes any incoming electronic deposits.

7 Whether your business is just starting up you require sophisticated banking solutions, we have a business account to meet your needs. Business Freedom Business Connection Business Analysis BUSINESS ACCOUNTS Business checking essentials designed with small business needs in mind. Relationship package that rewards your business f combined deposit and loan balances. Put higher account balances to wk and receive earnings credits with this analyzed account. ACCOUNT FEATURES ACCOUNT FEATURES ACCOUNT FEATURES Includes 400 items processed each month 1 First $10,000 cash deposited at no charge 2 to calculate fee waiver 3 Includes 500 items processed each month 5 Discount on Merchant Services set-up fee Discount on Anytime Remote Deposits set-up fee Free cashier s checks Free online stop payments Free incoming wires Free AmaZing Rewards TM Free small safe deposit box 6 to calculate fee waiver 3 First $10,000 cash deposited at no charge 2 Earnings Credits (to offset fees) 8 Additional Treasury Management products and services available 9 MONTHLY FEE MONTHLY FEE MONTHLY FEES $8 $25 $15 maintenance fee, plus: OPTIONS TO WAIVE FEE OPTIONS TO WAIVE FEE $0.75/deposit $0.10/deposited on-us item $2,500 average balance 4 products and $25,000 combined average deposit $0.12/deposited local item $0.13/deposited transit item Anytime Remote Deposits TM balance of qualified accounts 7 $0.18/checks written transaction 4 $0.12/electronic debit 4 products and $75,000 credit item NB AZ Merchant Services combined average deposit transaction 4 and outstanding loan average $0.15 per $100 cash deposited balances of qualified accounts 7 FDIC Assessment 10 1.) $0.25 per item in excess of 400 items processed each month. Items include: checks paid, electronic debits/credits and checks deposited. 2.) $0.15 per $100 deposited in excess of $10, ) Monthly average balance method is used to determine the minimum balance in your account. Monthly average balance is the sum of daily balances in a month divided by the number of days in that month. 4.) Must be enrolled in NB AZ Merchant Services Anytime Remote Deposits and process at least one transaction that posts to the account during the statement cycle. Standard pricing applies f Anytime Remote Deposits and Merchant Services. 5.) $0.25 per item in excess of 500 items processed each month. Items include: checks paid, electronic debits/credits and checks deposited. 6.) Subject to availability. 25% discount on other sizes. 7.) Qualified business deposit product types: checking, savings, money market and CD accounts. Qualified business loan products: installment loan, line of credit, letter of credit, energy efficiency loan and credit card. If outstanding loan balances are paid down during the statement cycle and combined deposit balance is less than the account minimum, the monthly maintenance fee will be applied to the base account. 8.) Earnings credit rate is variable and tiered based on balance. See branch f current rate and tiers. Earnings credit is calculated on the collected balance. 9.) May be subject to fees, credit approval and contracts. See banker f details. 10.) FDIC Insurance fees vary quarterly based on the bank s cost. See branch f details.

8 QUESTIONS & ANSWERS Q: Is there anything I need to do? A: No. We ll take care of changing your account on July 2, as shown on the Your New Account page. Q: What if I want my account to change to an account other than what s stated in the chart on the Your New Account page? A: You can contact your banker stop by any NB AZ branch to select a different account. Q: Will my other NB AZ accounts change? A: If you have additional accounts with NB AZ that are not listed in the chart (i.e. savings money market), there will be no change to those accounts. Have me questions? Call visit your local NB AZ branch. Q: Will my account number change? A: No. Your account number will remain the same. Q: Can I continue to use my current checks, deposit slips and debit card? A: Yes. Your current checks and deposit slips will wk the same and your card(s) will continue to wk with your current PIN. Q: Will my electronic transfers (ACH), bill payments wire transfers continue to be processed? A: Yes. All of your electronic transfers (direct deposit, direct debits, loan payments, etc.), bill payments set up through online banking and wire transfers will continue to be processed without interruption. Q: I m currently in a Seni Checking Seni NOW account and I m between the ages of Will I receive the 60+ Benefits? A: Yes. As a courtesy, existing Seni Checking and Seni NOW clients will automatically receive the 60+ Benefits when your account changes on July 2. Q: My new account allows me to include loan balances as a way to waive the monthly service fee. How does that wk? A: If you have existing qualified loan accounts, the outstanding balance of those accounts will automatically count towards the combined balance requirement. If you pay down your balance during the month and the combined average balance of your deposit accounts does not meet the account minimum, your base account will be charged the monthly maintenance fee.

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