Business Checking and Saving Options Brochure

Business Checking and Saving Options Brochure

Business Checking & Savings Options

Big business or small business, these accounts are all business.

Custom business solutions for every business need.

Whether you’re an on-the-go small-business owner or the chief financial officer of a corporation, you’ll find the right banking solutions at CB&T. From basic checking and savings with easy-to-use online and mobile banking tools to analyzed accounts with sophisticated Treasury Management Services, we offer solutions for businesses of all sizes. Take a look at our full suite of accounts. All of them include free features and benefits, the convenience of banking anytime, anywhere, and the confidence of knowing a network of professional bankers is supporting you.

Business Checking & Savings Options

Primary Business Checking Accounts Business Inspire Checking Business Growth Checking Business Interest Checking Business Connect Checking Commercial Analyzed Account Specialty Business Checking Accounts Community Checking Attorney Client Checking Business Savings Accounts Business Savings

6 7 8 9

10

12 13

15 16 17 18

Business Money Market

Business Money Market Sweep Business CD/Business Jumbo CD

Let us help you choose the accounts that are right for your business.

Bank where you want, when you want.

Each of our business checking accounts comes with these helpful tools to serve your business day or night, from virtually anywhere. 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 Get all the features of Direct Business Internet Banking, plus, transfer payroll and reimbursement funds to employee accounts. CBT Business Mobile Banking • Supplement your Direct Business Internet Banking or Direct Business Plus Internet Banking features. • Access your accounts, pay your bills, and deposit checks from anywhere using your mobile phone or device. eDocuments • Enroll in eStatements, eNotices, and eTax Documents and opt out of paper. • View statements and notices online and in our mobile app. Commercial Analyzed Account This account is designed for businesses that have the highest level of activity, have sophisticated reporting needs, or need treasury management services. 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 Commercial Analyzed Account, please see page 10 and refer to our Account Analysis product sheet.

2 For additional applicable disclosures, please refer to pages 19 – 21

Primary Business Checking Accounts

Kee acco

Overview

Interest Paid Monthly Transaction Limit Monthly Cash Deposit Limit Opening Balance Requirement

Direct Business or Direct Business Plus Internet Banking with Bill Pay CBT Business Mobile Banking Click to view Checking Account Comparison Chart with CBT Mobile Deposit Visa ® Business Debit Card

eDocuments

Over-limit Fee (per transaction above limit) Over Cash Fee (per $100 cash deposit above limit) Monthly Maintenance Fee

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Avoid the Monthly Maintenance Fee 7, 9

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Monthly Paper Statement Fee Avoid the Paper Statement Fee

Additional Benefits

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Business Money Market Business MMA Sweep

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Ideal for businesses that want to earn a competitive, tiered interest rate on their account balances while having flexible access to their funds.

Designed for small businesses that have excess cash, and have limited sweep transactions from money market to checking.

$1,000

N/A

50

N/A

$15,000

N/A

$250,000

$1,000,000

AGEMENT TOOL S

Click to view Checking Account Comparison Chart

ORMAT ION

$0.45

N/A

$0.20

N/A

$10

$25

aily 500. 7a

Keep a minimum daily balance of at least $2,500. 7a

N/A

$3

$0

with

Opt out of paper with eStatements

N/A

AL BENEFI TS

See page 16

See page 17

provides a guaranteed fixed interest rate over a variety of term options. ard with all CB&T bank accounts.

Business Checking

Primary Business Checking Accounts

Business Inspire Checking Business Growth Checking Business Interest Checking Business Connect Checking Commercial Analyzed Account

You will find descriptions of our business checking account options on the next several pages. Each one is designed to fit the needs of a different size or type of business, but all of them come with valuable features, a convenient branch network, and a team of professional business bankers. Please let us know if we can answer any questions about our accounts or help you decide which ones are right for your business.

5 For additional applicable disclosures, please refer to pages 19 – 21

Business Checking

Business Inspire Checking

Features & Benefits • Open an account with a minimum deposit of $50 Keep your business moving with a checking account built to make your banking simple. • Conduct up to 50 transactions per month at no charge 4 • Deposit up to $3,000 in cash per month without a fee 5 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • Use online banking and online bill pay to manage finances on your time through a mobile phone, tablet, or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6 Fees Can the monthly fee be waived? Yes, 7,9 enjoy no monthly maintenance fee by keeping a $1,000 minimum balance 7a or by conducting $1,000 or more in transactions (debits or credits) each month, otherwise $7. 8

6 For additional applicable disclosures, please refer to pages 19 – 21

Features & Benefits • Open an account with a minimum deposit of $50 Business Growth Checking Keep your business growing with more generous monthly transaction 4 and cash deposit limits. 5 • Conduct up to 250 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • Use online banking and online bill pay to manage finances on your time through a mobile phone, tablet, or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6 • Access optional treasury management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 16

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee with a $2,500 minimum daily balance 7a or $10,000 in business loan 14 /credit card 15 balances, otherwise $12. 7c

7 For additional applicable disclosures, please refer to pages 19 – 21

Business Checking

Business Interest Checking

Earn interest on business checking balances while enjoying generous transaction limits.

Features & Benefits • Open an account with a minimum deposit of $50 • Conduct up to 250 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Earn interest on your checking account balance 1, 18 • Earn premium interest rates on eligible Savings and Money Market accounts 13 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • Use online banking and online bill pay to manage finances on your time through a mobile phone, tablet, or computer 2 • Skip the branch and deposit checks through your mobile device 3 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • No monthly maintenance fee for additional Savings and Money Market accounts linked to your relationship 12 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance of at least $3,500, otherwise $15. 7a

8 For additional applicable disclosures, please refer to pages 19 – 21

Business Connect Checking Give your business an edge with access to our expert banking team and a variety of tools designed for efficiency. Features & Benefits • Open an account with a minimum deposit of $50 • Conduct up to 400 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium interest rates on eligible Savings and Money Market accounts 13 • Make up to two (2) outgoing Domestic Wire Transfers each month with no fee when you submit the wire request through Direct Business Internet Banking 11 • No monthly maintenance fee for additional Savings and Money Market accounts linked to your relationship 12 • Add an optional Business Money Market Sweep account 20 to help maximize your earnings • Access optional treasury management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 16 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • Use online banking and online bill pay to manage finances on your time through a mobile phone, tablet, or computer 2 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a combined business deposit account balance 7b of $10,000, a business loan 14 /credit card 15 balance 7c of $50,000, or by paying a minimum amount of $150 for other qualified banking services during the month, otherwise $18. 19

9 For additional applicable disclosures, please refer to pages 19 – 21

Business Checking

Features & Benefits • 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 Commercial Analyzed Account 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.

For additional information on Account Analysis services, please refer to our Account Analysis product sheet.

10 For additional applicable disclosures, please refer to pages 19 – 21

Specialty Business Checking

Specialty Business Checking Accounts

Community Checking Attorney Client Checking

Learn more about our specialty checking account options on the next two pages. If you manage a nonprofit organization, take a look at our Community Checking account. If you are an attorney administering clients’ funds, our Attorney Client Checking is designed to help you manage those funds. If you have questions about either account, we’re here to help.

11 For additional applicable disclosures, please refer to pages 19 – 21

Specialty Business Checking

Community Checking Manage the complexity of your nonprofit organization with an account designed for 501(c)(3), 501(c)(4) and 501(c)(6) charitable organizations dedicated to improving our community. Features & Benefits • Open an account with a minimum deposit of $50 • Conduct up to 350 transactions per month at no charge 4 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium interest rates on eligible Savings and Money Market accounts 13 • Make up to two (2) outgoing Domestic Wire Transfers each month with no fee when you submit the wire request through Direct Business Internet Banking 11 • Access optional treasury management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 16 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 23 • Use online banking 2 and online bill pay to manage finances on your time through a mobile phone, tablet, or computer • Skip the trip to the bank with mobile check deposit 3 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Make purchases anywhere Visa ® is accepted with your California Bank & Trust Business Debit or Credit card 15 • Go paperless with eStatements, eNotices, and eTax Documents 6

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance 7a of $1,000 or a combined deposit balance 7b of $10,000, or by paying a minimum amount of $150 for other qualified banking services during the month, otherwise $10. 19

12 For additional applicable disclosures, please refer to pages 19 – 21

Features & Benefits • 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 Attorney Client Checking account. Attorney Client Checking This account enables California attorneys to protect and conveniently deposit and distribute their clients’ trust funds while interest is paid to the California Bar Association.

13 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings

Business Savings Accounts

Business Savings Business Money Market Business CD/Business Jumbo CD

From business savings to money market accounts and certificates of deposit, each of these FDIC-insured, interest-bearing accounts is designed to help your business protect and grow its cash and savings.

14 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings Ideal for businesses that want a traditional savings account with a low minimum balance requirement. Features & Benefits • Open an account with a minimum deposit of $100 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium rates with a qualifying checking account 13 • Variable rate, compounded daily, 18 paid monthly • Deposit up to 50 items per month at no charge 10 • Use online banking to manage finances through a mobile phone, tablet, or computer 2 • Skip the trip to the bank with mobile check deposit 3 • Get cash when you need it with no ATM charges at any California Bank & Trust ATM 24 • Call our U.S.-based customer service 7 days a week • Go paperless with eStatements, eNotices, and eTax Documents 6 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 10

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance of at least $500, otherwise $5. 7a

15 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings

Business Money Market Ideal for businesses that want to earn a competitive, tiered interest rate on their account balances while having flexible access to their funds. Features & Benefits • Open an account with a minimum deposit of $1,000 • Deposit up to $15,000 in cash per month without a fee 5 • Earn premium rates with a qualifying checking account 13 • Variable rate, compounded daily, 18 paid monthly • Deposit up to 50 items per month at no charge 10 • Use online banking to manage finances through a mobile phone, tablet, or computer 2 • Skip the trip to the bank with mobile check deposit 3 • Get cash when you need it with no ATM charges at any CB&T ATM 24 • Call our U.S.-based customer service 7 days a week • Go paperless with eStatements, eNotices, and eTax Documents 6 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 10

Fees Can the monthly fee be waived?

Yes, 7,9 enjoy no monthly maintenance fee by keeping a minimum daily balance of at least $2,500, otherwise $10. 7a

16 For additional applicable disclosures, please refer to pages 19 – 21

Features & Benefits • A primary business checking account (any type) is required to open a Business Money Market Sweep account 20 • Variable rate, compounded daily, 18 paid monthly • Conduct up to six transfers (sweeps) out of the account per month at no charge 10 • Call our U.S.-based customer service 7 days a week • Go paperless with eStatements, eNotices, and eTax Documents 6 Fees Can the monthly fee be waived? There is no monthly fee waiver available with this account. Business Money Market Sweep Designed for small businesses that have excess cash, and have limited sweep transactions from money market to checking.

17 For additional applicable disclosures, please refer to pages 19 – 21

Business Savings

Business Certificates of Deposit (CDs)

Features & Benefits • Open an account with a minimum deposit of $1,000 • Deposits are insured by the FDIC to at least $250,000 • Earn a competitive interest rate on money you don’t need to access right away • Fixed interest rate, compounded daily 22 • Choose a flexible savings term between 28 days and 5 years 21 • Use online banking and mobile banking to view balances through a mobile phone, tablet, or computer 2 • Call our U.S.-based customer service 7 days a week Use a Certificate of Deposit to maximize your savings for a fixed period of time. Withdrawals Early withdrawal/closure penalties may be assessed when principal is withdrawn from a CD prior to the maturity date.

Fees Can the monthly fee be waived? There is no monthly fee with this account.

18 For additional applicable disclosures, please refer to pages 19 – 21

Mobile Check Deposit Limits Important Information

Relationship Age Daily Deposit Limit Rolling 30 Days’ Cumulative Deposit Limit

0 – 179 Days

180+ Days

$7,500

$10,000

$15,000

$20,000

Important Account Disclosures 1. Please refer to the Deposit Account Agreement, Account Disclosure, Business Banking Deposit Rates sheet, and the applicable schedule of fees, or speak with a banker for more details. 2. Online Banking & Mobile Banking – Mobile Banking requires download of the CBT Business Mobile Banking app from the Apple ® App Store, Google Play ® , or Samsung Galaxy ® App Store. Message and >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24

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