Personal Banking Capabilities Booklet

Personal Banking Capabilities Booklet

Personal Banking Products & Services

For the realities of your dreams.

Whatever life throws at you,

hit it out of the park.

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calbanktrust.com

Personal Banking

Life presents us all with a mix of endless possibilities, responsibilities and opportunities. And we all want to be prepared for them. So know that California Bank & Trust (CB&T) is here to help you do just that: be financially prepared for whatever comes your way. Whether it’s the possibility of buying your first home, the responsibility of saving for a college education, or the opportunity to retire sooner than later. As part of Zions Bancorporation, one of the nation’s premier financial services companies, we offer you a full array of financial products and services. All customizable to you and your life’s needs. And all recommended in accordance with how they best align with your life goals. For more than 60 years, we’ve been helping generations of California families achieve their dreams and financial security.

That’s a home run in anybody’s book.

Times change. Needs change. How comforting to know you won’t need to change banks.

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calbanktrust.com

Checking & Savings

Checking

Everyday Checking Accounts For your simple checking account needs Checking with Interest Accounts Earn interest on your account balance and receive loyalty benefits Premium Checking Accounts For higher balances, filled with benefits designed to help elevate your financial management capabilities Specialty Checking Accounts • Providing students (age 25 and under) the tools they need to manage their money • Convenient money management tools for seniors (age 62 and older)

Given our wide array of financial products and services, your relationship with CB&T can be life- long. Our variety of checking and savings accounts serve as the perfect example. You can choose between accounts offering different balance requirements, statement options, interest rates, and even reduce or eliminate fees. Better still, our premium checking accounts provide you with more financial advantages and additional banking services. There are numerous checking and savings account options from which to choose. This gives you more than enough flexibility to change your accounts so you’ll always have the ones that work best for you. And that’s a pretty convincing argument for why CB&T is the bank that will work best for you.

Savings

Savings Accounts Traditional savings accounts and accounts for young savers (age 25 and under) 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 Individual Retirement Accounts Save for retirement with flexible accounts

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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calbanktrust.com

Life takes money. Sometimes, that means borrowed money.

Be it for things you want, things you need, or things that are a bit of both. At CB&T, we’re here to help you borrow that money as intelligently as possible. We’ll help you figure out which loan products are best for your specific financial situation. What terms make the most sense. And we’ll make sure you consider all the options available to you. After all, don’t you want every decision you make to be a well-informed one? Financing Options 1

Credit Cards

Mortgage Loans

Lines of Credit & Other Loans

Adjustable Rates Fixed Rates Primary Residence, Second Home, Investment Properties

Lot Loans FHA Loans Affordable Housing Mortgages Interest Only (available on select loan programs)

Home Equity Lines of Credit Auto, Boat and RV Loans Personal Loans and Lines of Credit

Personal credit cards offering rewards Personal credit cards offering cash back Personal credit cards offering our lowest rates

Construction to Permanent Loans

1 Subject to credit approval. Terms, conditions and restrictions apply. See banker for details.

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Virtually anything you need to do, done virtually.

Mobile & Online Banking

Check account balances? You bet. Transfer and deposit funds? You got it. Pay bills or a friend? Of course. View checks? No problem. Set up alerts? Absolutely.

Welcome to the virtually perfect online banking solution: DirectNET SM Consumer Online Banking from CB&T. With it, you have 24/7 access to your money and your accounts. You can access your account >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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