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Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts...Page 1-2 Consumer Packages...Page 3 Consumer Checking Accounts..Page 4 Consumer Savings, Money Market, Certificate of Deposit and Individual Retirement Accounts...Page 5 ATM and Debit Card Transaction Types and Limitations. Page 6 Addendum.Page 7

Schedule of Fees and Charges for Personal Deposit Accounts (Arizona, Iowa, Kansas, Missouri, Nebraska, New Mexico, Oklahoma, South Dakota*, Utah and Wisconsin Branches) Effective November 14, 2015 This schedule applies to personal accounts opened in Arizona, Iowa, Kansas, Missouri, Nebraska, New Mexico, Oklahoma, South Dakota, Utah and Wisconsin. This Schedule, along with the Deposit Account Disclosure for Personal Accounts, current rate sheet, your current signature card, and any other addenda that may be provided to you at account opening or from time to time thereafter form the agreement between you and Bank of the West as to your checking, money market, savings, certificates of deposit, and retirement accounts (collectively, the Agreement ). The Bank reserves the right to add to, delete from, discontinue, or otherwise amend any product, service, fee or charge, package or program offering at any time with such notice as is required by law. To the extent that any of the terms or provisions of this Schedule of Fees and Charges conflict with those contained in any other document in the Agreement, the terms and provisions contained herein shall control. We regret that this document is not available in languages other than English. Please make sure that you understand all terms and conditions applicable to your deposit account(s) and services. ATM Cards and Debit Cards ATM Card/Debit Card Purchases ATM Statements Foreign Currency Transactions MasterCard Fee Bank of the West Fee Non-Bank of the West ATM Transactions Balance Inquiry Transfer Withdrawal Debit Card Cash Advance Withdrawal at a financial institution that displays the MasterCard Logo ATM Card or Debit Card Reissuance (Lost or Stolen) Debit Rewards Annual Membership IRA IRA Annual Fee IRA Transfer or Closing Fee Night Depository Annual Fee Key Deposit (non-refundable) No Charge $1 each 1% of transaction amount 2% of transaction amount $2.50 per inquiry $2.50 per transfer $2.50 per withdrawal $3 per withdrawal $5 per card $15 per year $12 per plan $25 per plan $20 per year $5 per key Online Banking External Transfers Standard (3 business days) External Transfer- $3 each Web Fee Next Business Day External Transfer-Web Fee Popmoney Transfers Standard (3 business days) External Transfer- No Charge Web Fee Next Business Day External Transfer-Web Fee $3 each Online Bill Pay Same Day Online Bill Payment Transaction Fee $10.95 each Overnight Check Transaction Fee $17.50 each Additional Paper Statement Fee for Accounts with $3 per month Online Statements Overdrafts and Returned Items Tier One - 1 Occurrence** Paid or Returned $31 each item Tier Two - 2+ Occurrences** Paid or Returned $35 each item You will be charged an Overdraft Fee for an overdraft item paid if your account s daily ending balance is overdrawn by more than $5. You will be charged a Returned Item Fee for a returned item. No more than four Overdraft and/or Returned Item Fees will be applied on any one business day. Extended Overdraft Fee: If your account remains overdrawn $15 or more for five (5) consecutive business days you will be charged $30 on the sixth business day. Overdraft Protection Savings Overdraft Protection Transfer Fee $12 each day that a transfer occurs Gold Line (credit approval required) Refer to the Gold Line Account Agreement and Disclosure Statement Safe Deposit Box Set-Up Fee $20 per box Annual Fee Varies Safe Deposit Box Forced Opening Varies based on cost to bank Statements Check Safekeeping No charge Image Statement (fronts of checks only) $2 per statement cycle Money Market accounts no charge Image Statement (fronts and backs of checks) $3 per statement cycle Copy of a Statement Ongoing Duplicate Statements Snapshot Statement $2 each Special Schedule Statements (off-cycle) Other Charges Account Research Research Time $30/hour ($30 minimum) Item Copies $1 each Cashier s Checks Check Cashing Fee (Bank of the West on us $7.50 per check check in excess of $50) Check Cashing Fee is waived for: (1) deposit account customers (excluding Basic Savings-only customers); (2) minors; (3) Bank of the West cashier s checks; and (4) Bank of the West checks drawn on a deposit account in the name of any government agency. Check Printing Varies with style Sightline Checks for the visually impaired No charge Collection Fee Domestic $20 per item Foreign See Below Other Charges, continued Copies of Deposit Slips or Paid Checks Standard or Telephone Banking Requests No charge for first 2 copies per statement cycle, then $2 each $2 each $3 each Instant Requests Copy of Draft for POS Transaction Counter Check Fee $1 per check, minimum 4 checks Deposited Item Returned Re-Deposited Item $4 each Early Closure (if checking, savings or money $25 per account market account is closed less than 91 days after it was opened) Excess Withdrawal Fee (savings and money market accounts) Expedited Delivery of ATM or Debit Card $65 per card Foreign Currency Exchange $5 per transaction Standard Shipping Fee $12 per transaction Priority Shipping Fee $15 per transaction Foreign Drafts $45 each Foreign Draft Stop Payment Foreign Items Deposited Collection $50 per item Cash Letter $5 per item Inactive Account Letter $2 each Legal Process (excluding subpoena) $100 per process Letter Providing Account Information Medallion Guarantee (Securities) Money Order Reconcile Accounts hour (or fraction thereof; $10 minimum) Stop Payment Fee $35 each order (check, third party transfer, electronic) Verification of Deposit $17.50 each Written Deposit Confirmation Fee Continued on next page *In South Dakota, Bank of the West operates under the name of Bank of the West California. **Occurrence: (Solely for the purposes of overdrafts and returned item fees) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. An Overdraft and/or Returned Item fee is based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months. For the first Occurrence, you will be charged the Tier One fee for each item presented for payment in a single day up to the daily maximum. For subsequent Occurrences in the next 12 months, you will be charged the Tier Two fee for each item presented for payment in a single day up to the daily maximum. 2015 Bank of the West. Page 1 of 7 Member FDIC

Wires Incoming (Domestic or International) Processing Incoming Wire Auto Processing Incoming Wire Manual Outgoing Domestic Wire Direct Wire Non-Repetitive Transfer Phone Initiation Direct Wire Repetitive Transfer Phone Initiation Outgoing International Foreign Currency Wire Wire US $ Direct Wire Non-Repetitive Transfer Phone Initiation US $ Direct Wire Repetitive Transfer Phone Initiation Other Wire Services Tax Payments Branch Drawdown (Reverse Wire) Incoming Wire Notification Telephone Notification Mail Advice Manual Fax Tracer Requests Domestic International Miscellaneous Outgoing Domestic Wire Repair Outgoing International Wire Repair Receiving Bank Repair Charge Return Incoming Wire (customer request) Returned Outgoing Wire Transfer Wire Transfer Adjustment Standing Orders (Automatically Recurring) Domestic Wire International Wire Book Transfer Wire Maintenance Telephone Inquiry (Phone or Branch) Pass Through (from Correspondents) $13 each $20 each $17 each $45 each $45 each $25 each $20 each $4 each $8 each $20 each $35 each Varies $12 each 2015 Bank of the West. Page 2 of 7 Member FDIC

Consumer Packages Package Easy Banking Package Choice Banking Package Signature Checking Package 1 Package Requirements 2 Easy Checking and Choice Money Market Savings and $75 monthly Auto-Save Choice Interest Checking and Choice Money Market Savings Signature Checking and Choice Money Market Savings Package Features Pays interest on checking account balances X X Special customer interest rates on Choice Money Market Savings 3,4 X X X Special customer interest rates on CD 5 X Additional account with no monthly service charge 6 X Deducted from your Easy Checking account: Deducted from your Choice Money Market Savings Deducted from your Signature Checking account: Monthly Service Charge $8 with Online Statements account: $30 $15 $10 with paper statements Ways to Waive Monthly Service Charge Each statement cycle, make a single monthly transfer of $75 or more to Choice Money Market Savings from Easy Checking through the Auto-Save Program AND do one of the following Maintain an average monthly balance of at least $1,000 in Easy Checking per statement cycle, Make a single direct deposit of $250 or more per statement cycle to Easy Checking Make a minimum of 10 net debit card purchases per statement cycle from Easy Checking Each statement cycle, make a single monthly transfer of $75 or more to Choice Money Market Savings from Choice Interest Checking through the Auto-Save Program Maintain an average monthly balance of at least $5,000 in Choice Money Market Savings per statement cycle Maintain an average monthly balance of at least $15,000 in Signature Checking per statement cycle, Maintain a $25,000 combined average monthly balance in Signature Checking plus all linked personal checking, savings, money markets, CDs and IRAs per statement cycle 1 Signature Checking Package benefits, including monthly service charge waivers on additional accounts, begin the next business day after the Signature Checking account is opened or transferred. Premier Relationship Interest Rates, if applicable, begin to accrue as of the first statement cycle following the business day after the Signature Checking account is opened or transferred 2 To be eligible to receive Package benefits, account ownerships must be identical. If you do not meet the requirements for a package, each account will be subject to the standard requirements and fees for the account type. Your money market account cycle date may change to match the statement of your linked checking account to receive package benefits. If you have an existing Choice Banking Package, and open a new Signature Checking account, the Choice Money Market Savings account will automatically be linked to the Signature Checking Package, and the monthly fee will be applied to your Choice Interest Checking account. 3 A Relationship Premium or a Premier Relationship Premium (available to Signature Checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. Only one Choice Money Market Savings account can be linked to a checking account. The standard interest rate plus the Relationship Premium interest rate equals the Relationship Interest Rate; the standard interest rate plus the Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The Relationship Premium and Premier Relationship Premium interest rates are set at the Bank s discretion and are subject to change without notice. There may not be a Relationship Premium or Premier Relationship Premium associated with every balance tier. 4 To automatically qualify for a Relationship Interest Rate, you must have an open Bank of the West consumer checking account and a Choice Money Market Savings account with the same ownership; to automatically qualify for a Premier Relationship Interest Rate, you must have an open Signature Checking account and a Choice Money Market Savings account with the same ownership. The Relationship Interest Rate or Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account, and is calculated as follows: On the last day of your statement cycle, your Choice Money Market Savings account s end-of-day collected balance tier will be determined. If the Bank is paying a Relationship or Premier Relationship Premium for that balance tier, that Premium will be added to the standard interest rate for the balance tier into which your daily end-of-day collected balance falls each day during the next full statement cycle. The Relationship or Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Relationship or Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. Interest is compounded daily and paid to your Choice Money Market Savings account on the last day of the statement cycle. If you do not qualify for a Relationship or Premier Relationship Premium as of the last day of any statement cycle, your account will earn only the standard interest rate during the next full statement cycle. 5 To qualify for a Relationship CD interest rate, you must have a Signature Checking account. Relationship CD interest rates are available on select CD products only and are subject to change or discontinuance at account renewal. If you do not have an open Signature Checking account when the CD renews, you may receive the standard rate for the new term. 6 If you have an open, active Signature Checking account, you are eligible for a second Signature Checking account with no monthly service charge. The ownership on both accounts must be identical. The second Signature Checking does not provide a relationship pricing benefit to a Choice Money Market Savings account. Form # 030-08606 (Rev.11/14/15) AZ, IA, KS, MO, NE, NM, OK, SD, UT, WI 2015 Bank of the West. Page 3 of 7 Member FDIC

Consumer Checking Accounts Type of Account 1 Easy Checking Choice Interest Checking 55 Plus Signature Checking Minimum Amount to Open $100 $100 $100 $100 Pays Interest No Yes No Yes Monthly Service Charge $8 with Online Statements $10 with paper statements For new accounts, we will waive the monthly service charge for the first two statement cycles. $10 For new accounts, we will waive the monthly service charge for the first two statement cycles. No monthly service charge if primary account owner 2 is age 55 or older, otherwise $10 $30 For new accounts, we will waive the monthly service charge for the first statement cycle. Ways to Waive Monthly Service Charge Early Closure Fee: (if account is closed less than 91 days after it is opened) Overdrafts and Returned Items Meet at least one of the following each statement cycle: Maintain an average monthly balance of $1,000 or more in this account Receive a single direct deposit of $250 or more Make a minimum of 10 net 3 debit card purchases (PIN or signature) Meet at least one of the following each statement cycle: Maintain an average monthly balance of $2,500 or more in this account Maintain a $5,000 combined average monthly balance in this account plus linked personal savings, CDs, or IRAs 4 $25 Primary account owner 2 is age 55 or older Meet at least one of the following each statement cycle: Maintain an average monthly balance of $15,000 or more in this account Maintain a $25,000 combined average monthly balance in this account plus linked personal checking, money market, savings, CDs, or IRAs 5 Tier One -1 Occurrence 6 Paid or Returned: $31 each item Tier Two -2+ Occurrences 6 Paid or Returned: $35 each item You will be charged an Overdraft Fee for an overdraft item paid if your account s daily ending balance is overdrawn by more than $5. You will be charged a Returned Item Fee for a returned item. No more than four Overdraft and/or Returned Item Fees will be applied on any one business day. If your account remains overdrawn $15 or more for five (5) consecutive business days you will be charged $30 on the sixth business day. Extended Overdraft Fee Non-Bank of the West ATM Transaction (Balance Inquiry, Transfer, Withdrawal) $2.50 per transaction No charge Stop Payment $35 per stop payment order No charge Check Printing First order free (one box Varies based on style ordered Varies based on style ordered of corporate image, wallet style checks) Other Charges See Schedule of Fees and Charges for Personal Deposit Accounts for other fees that may apply. No charge for Signature Checking checks or 25% discount on other styles (one box per order) 1 If you do not qualify for one of these checking products, you may be offered an alternate checking product. 2 The primary account owner is the person whose name is listed first on the account. 3 Net purchases equal total purchases minus returns/credits, and include only those debit card transactions posted to the account during the statement period. 4 To qualify for the combined balance minimum, you must request us to link multiple personal deposit accounts to your checking account. All linked accounts must have the same ownership. 5 Personal checking, money market, savings, CD and/or IRA accounts can be automatically linked to only one Signature Checking account. Primary account owner on Signature Checking account must also be an owner on any linked accounts for the combined balance waiver. Additional Signature Checking accounts must meet standalone balance requirement for the monthly service charge to be waived, unless it is a secondary Signature Checking account linked to a primary Signature Checking account. 6 Occurrence: (Solely for the purposes of Overdrafts and Returned Item fees) An Occurrence is each day in which your account does not have sufficient available funds to cover the Items presented for payment, regardless of whether or not you are charged an Overdraft or Returned Item fee for the Item. For the first Occurrence, you will be charged the Tier One fee for each Item presented for payment in a single day up to the daily maximum. For subsequent Occurrences in the next 12 months, you will be charged the Tier Two fee for each Item presented for payment in a single day up to the daily maximum. Refer to the Schedule of Fees and Charges for Personal Deposit Accounts for additional details. 2015 Bank of the West. Page 4 of 7 Member FDIC

Consumer Savings, Money Market, Certificate of Deposit and Individual Retirement Accounts Type of Account Classic Savings Choice Money Market Savings Certificates of Deposit (CDs) Individual Retirement Accounts (IRA CDs) Minimum Amount to Open $25 $100 Flexible Term CD: $1,000 Premium Money Market CD: $2,500 7-31 Day CD: $100,000 $100 Premium Money Market IRA CD (91 days to 24 months) Flexible IRA CD (12-60 months) IRA Add-On CD 1 (12 Months) Pays Interest Yes Yes Yes Yes Monthly Service Charge $5 $15 N/A N/A Ways to Waive Monthly Service Charge Meet at least one of the following each month: Make a single transfer of $25 or more from a Bank of the West consumer checking account through the Auto-Save program 2 Early Closure Fee: (if account is closed less than 91 days after it is opened) Maintain an average monthly balance of at least $300 in this account Primary account owner is age 18 or younger Meet at least one of the following each statement cycle: Make a single transfer of $75 or more from a Bank of the West consumer checking account through the Auto-Save program 2 Maintain an average monthly balance of at least $5,000 in this account Maintain a Signature Checking Package or a Bank of the West Premier Checking account. Refer to the Signature Checking Package information on Page 3 or the Bank of the West Premier Program disclosure for details. $25 $25 N/A N/A Early Withdrawal Penalty may apply. See Deposit Account Disclosure booklet for details. N/A N/A Early Withdrawal Penalty may apply. See Deposit Account Disclosure booklet for details. Transaction Limits Federal regulations require that all money market and savings accounts be strictly limited to a total of no more than six (6) transactions by check, draft, debit card, or similar order payable to third parties and/or pre-authorized, automatic or telephone transfers from the account either to a third party or to a another account (includes Online Banking transfers) per statement period, for money market accounts, or calendar month, for savings accounts. For each such transaction in excess of six (6), an Excess Withdrawal Fee will be charged, regardless of the account balance, other fees, or type of withdrawal. There is no limit to the number of withdrawals paid directly to you by mail, messenger, ATM, or in person. Excess Withdrawal Fee N/A N/A IRA Annual Fee N/A N/A N/A $12 per plan IRA Transfer or Closing Fee N/A N/A N/A $25 per plan Other Charges See Schedule of Fees and Charges for Personal Deposit Accounts for other fees that may apply. 1 Additional deposits into an IRA Add-On CD will earn the interest rate that was in effect when the account was opened or renewed. Additional deposits of $100 or more can be added at any time, subject to contribution limits. 2 If there are not sufficient funds in your checking account to complete a scheduled transfer, such as an Auto-Save, to your savings or money market account, no transfer will occur, even if you have available overdraft protection for your checking account through Savings Overdraft Protection and/or Gold Line. This means that if your savings or money market account monthly service charge would have been waived as a result of an eligible Auto-Save or recurring transfer from your checking account, you may incur a monthly service charge for that statement cycle. 2015 Bank of the West. Page 5 of 7 Member FDIC

ATM and Debit Card Transaction Types and Limitations ATM Withdrawals and Transfers 1 Point-of-Sale Transactions Cash Advances 2 Card Type Frequency Dollar Amount Limitations 3 Frequency Dollar Amount Limitations 3 Frequency Dollar Amount Limitations 3 ATM Card Unlimited Up to $500 per day N/A N/A N/A N/A Debit Card Signature Checking Unlimited Up to $1,000 per day Up to 30 merchant transactions per day Up to $5,000 worth of goods and services per day Unlimited Up to $1,000 per day All Other Debit Cards 4 Unlimited Up to $500 per day Up to 30 merchant transactions per day Up to $3,500 worth of goods and services per day Unlimited Up to $1,000 per day 1 Dollar amount limitation on non-bank of the West ATM transactions includes any fees imposed by the ATM owner 2 Using your Debit Card to obtain cash from other financial institutions using the MasterCard Network 3 Subject to funds availability 4 Except Bank of the West Premier Debit Card. Refer to the Bank of the West Premier Program Addendum to the Deposit Account Disclosure and Schedule of Fees and Charges for transaction types and limitations applicable to the Bank of the West Premier Debit Card. 2015 Bank of the West. Page 6 of 7 Member FDIC

Addendum to the Deposit Account Disclosure for Personal Accounts (Kansas only) Effective January 1, 2016 The following information reflects a change to the current applicable Deposit Account Disclosure for Personal Accounts ( Booklet ) for accounts housed in Kansas branches. This Addendum, together with the applicable Schedule of Fees and Charges, Deposit Account Disclosure, current Rate Sheet, your signature card and any other addenda that may be provided to you at account opening or from time to time thereafter with reference to your personal or business deposit account(s), form the agreement between you and the Bank. Except as expressly stated below, all other terms and conditions in our agreement with you continue in full force and effect. We reserve the right to add to, delete from, discontinue or otherwise amend any product, service, fee or charge, program or package offering at any time with such notice as is required by law. Consumer Liability of Unauthorized Transfers Due to a change in state law, the Special Rules for Kansas Accounts section in the Booklet has been eliminated in its entirety. Kansas residents no longer have unique rules on liability for unauthorized use of an ATM or Debit Card. Purchases and withdrawals made with a Bank of the West ATM or Debit Card will be subject to the following consumer liability dollar limitations: Tell us AT ONCE if you believe your Card and/or PIN has been lost or stolen, or if you believe that an Electronic Fund Transfer has been made without your permission using information from your check. You could lose all the money in your Account (plus your maximum Overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss or theft of your Card and/or PIN, you can lose no more than $50 if someone used your Card and/or PIN without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Card and/or PIN, and we can prove we could have stopped someone from using your Card and/or PIN without your permission if you had told us, you could lose as much as $500. The MasterCard Zero Liability policy still applies. 2015 Bank of the West. Page 7 of 7 Member FDIC