Business Banking Capabilities Booklet

Business Banking Capabilities Booklet

Business Banking Products & Services

Bank be nimble. Bank be quick.

A leading lender of money.

A preferred lender of experience.

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calbanktrust.com

Business Banking

California Bank & Trust (CB&T) lends hundreds of millions of dollars to California businesses every year. Across all sectors and industries. These business owners and entrepreneurs are coming to us not just for money, but for our more than 60 years’ worth of business banking experience and knowledge of the California marketplace—and the industries that drive it. They’re also coming to us for our ability to provide direct access to decision makers, recommend customized solutions, and then implement them quickly. It is this experience, service, product customization and commitment to California businesses that sets CB&T apart.

And will best set you up for long-term success.

Your business is one of a kind. Shouldn’t your checking and savings accounts be as well?

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calbanktrust.com

Checking & Savings

Checking

Primary Business Checking Accounts Keep your business moving with accounts built to make your banking simple Business Checking with Interest Accounts Earn interest on your account balances Analyzed Checking Accounts For large businesses that have the highest level of account activity and typically need treasury management services Specialty Business Checking Accounts For non-profit organizations Interest on Lawyers Trust Accounts (IOLTA)

Different is good. In business and in business banking. It’s why we offer you several ways to structure your checking and savings accounts. You can control opening balance and minimum balance requirements, interest rates, fees—even the kind of statement you receive. With so many options available to you, you can align the various account features and benefits to your business’ unique needs and goals.

Savings

Business Savings Accounts Traditional savings Business Money Market Accounts Offering competitive tiered interest rates with flexible access to your funds Certificates of Deposit Maximize your savings for a fixed period of time

And the better your decisions align with your goals, the more likely you’ll achieve them.

Depending upon the account type you choose, benefits may include: • Debit Card

• e-Documents • Mobile Banking • Mobile Check Deposit

• Online Banking • Digital Payments

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When opportunity knocks, it’s best you be the one to open the door.

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calbanktrust.com

Having quick and easy access to money is essential for any business wanting to grow and to be able to answer the door every time opportunity knocks. That’s why we provide our clients with direct access to decision makers. And help them put together the smartest financial packages available. As quickly as possible. It’s why the number of businesses coming to CB&T for financing solutions is growing by the day. And with each and every opportunity. Financing & Credit 1

Financing Options Lines of Credit Term Loans Real Estate Financing Owner-occupied Real Estate Financing Multifamily and Commercial Real Estate Financing Residential Development

Credit Cards

Equipment Financing Equipment Leasing 2 Equipment Term Loans Equipment Finance Line

Business credit cards offering rewards Business credit cards offering cash back Business credit cards offering our lowest rates Commercial credit cards

Small Business Administration (SBA) Loans SBA 7(a) Loans SBA 504 Loans Factoring

There are certain business sectors where CB&T has particular proficiencies in providing robust financial solutions. If you do business in any of the business sectors listed, we welcome the opportunity to discuss your specific banking needs and, together, develop the solution that works best for your organization. Specialty Banking & Financing 1

Business Sector Experience

Non-Profit Banking and Financing Family Business Banking and Financing Power and Project Financing

Municipal Finance and Government Banking Municipal Underwriting 3

1 Loans are subject to credit approval. Terms and conditions apply.

2 Certain criteria apply. See a specialist for details. Equipment lease financing is offered through Zions Credit Corporation, a subsidiary of ZB, N.A.

3 Municipal underwriting services offered by the bank dealer department of ZB, N.A.

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Watch your payables and receivables become unbelievables.

Treasury Management

Typically, payables and receivables are the Achilles’ heel of businesses. Without proper controls or monitoring, they can restrict cash flow. Affect your ability to borrow. Expose you to fraud. Unbalance your balance sheet. Seasoned and savvy, our treasury management specialists will provide valuable insight to your specific business—and opportunities for operational improvement. Better still, all these services are available to you through Treasury Gateway, ® our online portal that combines all your treasury management login credentials into one place, allowing you access to multiple services simultaneously.

Information Management Online Banking Mobile Banking Digital Payments

Receivable Solutions Merchant Services by First >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12

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