Personal Checking and Saving Options Brochure

Personal Checking and Saving Options Brochure

Personal Checking & Savings Options

So many choices. All of them good.

It’s good to have choices. Even better to have help making them.

Managing your money is a lot easier when you have the right tools. That’s why we provide a wide range of banking products and services, along with the professional guidance to help you choose the ones that best meet your specific needs. Whether you bank in person, online, or with your smartphone, you won’t find an easier or friendlier solution. So take a look at our checking and savings accounts. All of them come with free features and benefits, the convenience of banking anytime, anywhere, and the confidence of knowing a network of banking professionals is here to help.

Personal Checking & Savings Options

Primary Personal Checking Accounts Anytime Checking 6 Anytime Interest Checking 7 Premium Interest Checking 8 Specialty Personal Checking Account Senior Advantage Checking 9 Personal Savings Accounts Savings 11 Young Savers 12 Money Market 13 Certificates of Deposit 14 IRA Money Market 14

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

We’re a bank of choice because we give you so many choices. At California Bank & Trust, we understand that your needs are unique. That’s why we give you a choice of primary checking, specialty checking, savings, and money market accounts. This chart will help you compare our accounts, so you can find what best fits your needs.

Access your accounts online or via our Telephone Banking Center, 24 hours a day, 7 days a week. You can also talk to live representatives, available Monday through Saturday 6 a.m. to 7p.m.

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For additional applicable disclosures, please refer to pages 15 – 17

Primary Personal Checking Accounts

Overview

Interest Paid

Opening Balance Requirement

Consumer Online Banking

CB&T Mobile Banking

Visa ® Debit Card

Click to view Checking Account Comparison Chart

Check Writing

ATM Access

eDocuments

Monthly Maintenance Fee

Avoid the Monthly Maintenance Fee

Monthly Paper Statement Fee

Additional Benefits

Young Savers

Money Market

Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances

A savings account for ages 25 and younger 17 that has no monthly service fee

who vings nimum ent

while having flexible access to their funds

tes ium

Yes, relationship rates available with Premium Interest Checking 9

g 9

$5

$500

$50,000

$250,000

Click to view Checking Account Comparison Chart

ORMAT ION

$0

$10

e 6, 6a of alifying before of the or by nterest t 8

Minimum daily 6, 6a balance of $1,000 or by linking to

Ages 25 and younger

a Premium Interest Checking account 8

$2 Opt out of paper with eStatements 5

$2 Opt out of paper with eStatements 5

with

and Individual Retirement Accounts (IRAs) that provide a

tandard with all CB&T bank accounts.

Personal Checking

Checking Accounts

Anytime Checking Anytime Interest Checking Premium Interest Checking Senior Advantage Checking

You will find descriptions of our checking account options on the next several pages. Each one is designed to fit a different lifestyle, but all of them come with standard time- and money-saving features that allow you to easily manage your money when you want and from where you want. Please let us know if we can answer any questions about the accounts. We’re here to help.

5 For additional applicable disclosures, please refer to pages 15 – 17

Personal Checking

Anytime Checking

Features & Benefits • Open your account with a minimum deposit of $50 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • 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 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple ® /Google ® /Samsung ® Pay 11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • Go paperless with eStatements, eNotices, and eTax Documents 5 Anytime Checking helps get banking done at your convenience with access to online banking, mobile app, and a network of branches and ATMs.

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you make 10 Debit or Credit card 10 purchases or receive at least $250 in direct deposits 6d per statement month, otherwise $6. The fee is also waived for customers 25 years old and younger. 17

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For additional applicable disclosures, please refer to pages 15 – 17

Features & Benefits • Open your account with a minimum deposit of $50 • Earn interest on the balance in your checking account 1, 13 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • 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 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Go paperless with eStatements, eNotices, and eTax Documents 5 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple ® /Google ® /Samsung ® Pay 11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • One (1) fee waiver per statement month for transactions at non-California Bank & Trust ATMs. ATM operator fees may be assessed. 12 Anytime Interest Checking Anytime Interest Checking gets you more with convenient online and mobile banking tools, 2 interest on balances, and other loyalty benefits.

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you keep a minimum daily balance of $1,500 or a combined deposit and personal loan balance of at least $10,000, otherwise $11. 6, 6a, 6b, 6c

For additional applicable disclosures, please refer to pages 15 – 17 7

Personal Checking

Features & Benefits • Open your account with a minimum deposit of $50 • Earn a Premium interest rate on Checking, Savings, Money Market, and CD balances 9, 13 • Three (3) fees waived per statement month for transactions at non-California Bank & Trust ATMs. This includes refunding up to three (3) fees charged by other banks each statement month. 12 • No monthly maintenance fee for additional Savings or Money Market accounts linked to your relationship 8 • No fee for one (1) domestic wire transfer into your account each month • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • 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 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple ® /Google ® / Samsung ® Pay 11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • No fee for CB&T Cashier’s Checks Premium Interest Checking The Premium Interest Checking 9 account is filled with benefits designed to help elevate your personal financial management.

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you keep a combined deposit balance of at least $10,000 or a combined deposit and personal loan balance of $25,000 or more, otherwise $25. 6, 6b, 6c

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For additional applicable disclosures, please refer to pages 15 – 17

Senior Advantage Checking Designed specifically for those age 62 or older, this account provides the features, convenience, and discounted fees our customers appreciate. Features & Benefits • Open your account with a minimum deposit of $50 • Move your money digitally with direct deposit, automatic withdrawals, and Zelle ® payments 4 • Prevent overdrafts with automatic transfers from an eligible deposit account or credit line. 18 • 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 • Shop anywhere Visa ® is accepted with your California Bank & Trust debit card or credit card, 10 including support for Apple ® / Google ® /Samsung ® Pay 11 • Get cash when you need it with no charges at any California Bank & Trust ATM 12 • Use any ATM in the U.S. and California Bank & Trust will waive the first withdrawal fee at other banks’ ATMs each month 12 • Go paperless with eStatements, eNotices, and eTax Documents 5

Fees Can the monthly fee be waived?

Yes, enjoy no monthly maintenance fee when you keep a minimum daily balance 6, 6a of $500 or make at least $250 in ACH direct deposits 6d per statement month, otherwise $5.

For additional applicable disclosures, please refer to pages 15 – 17 9

Personal Savings

Savings & Money Market Accounts

Savings Young Savers Money Market CDs and IRAs

Descriptions of our savings, money market, CD, and IRA offerings appear on the next four pages. Each of these FDIC-insured, interest-bearing accounts is designed to help you protect and grow your money.

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For additional applicable disclosures, please refer to pages 15 – 17

Savings Account Ideal for customers who want a traditional savings account with a low minimum balance requirement. Features & Benefits • Minimum opening deposit of $50 • Variable rate, compounded daily, 13 paid monthly • Get paid on every dollar you save with no minimum balance requirement to earn interest • Avoid a monthly maintenance fee when you keep at least $200 in balances • Establish optional transfers from a checking account to help build savings automatically • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account • Use online banking to manage finances on your time through a mobile phone, tablet, or computer 2 Withdrawals Transaction limits apply. Make up to six wi thdrawals and transfers each month without a withdrawal fee. 7 Fees Can the monthly fee be waived? Yes, by keeping a minimum daily balance 6, 6a of $200 or by making a qualifying credit 6e of at least $25 to the savings account before the last business day of the monthly billing cycle or by linking to a Premium Interest Checking account. 8

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For additional applicable disclosures, please refer to pages 15 – 17

Personal Savings

Young Savers Account A savings account for account holders age 25 and younger 17 that has no monthly maintenance fee. Features & Benefits • Minimum opening deposit of $5 • Get paid on every dollar you save with no minimum balance requirement to earn interest • Variable rate, compounded daily, 13 paid monthly • Learn to save while enjoying no minimum balance requirements or monthly maintenance fees • Establish optional transfers from a checking account to help build savings automatically • Use online banking to manage finances on your time through a mobile phone, tablet, or computer, 2 for qualifying account holders

Fees Can the monthly fee be waived? There are no monthly maintenance fees for savers age 25 and younger. Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 7

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For additional applicable disclosures, please refer to pages 15 – 17

Money Market Account Ideal for customers who want to earn a competitive, tiered interest rate 13 on their account balances while having flexible access to their funds. Features & Benefits • Minimum opening deposit of $500 • Variable rate, compounded daily, 13 paid monthly • Earn a more competitive interest rate 13 than traditional savings accounts on balances over $1,000 • Accelerate your savings with relationship rates when you maintain a Premium Interest Checking account • Make unlimited withdrawals at a California Bank & Trust branch or ATM 12 • Write checks for extra flexibility in accessing your Money Market funds 7 • Use online banking to manage finances on your time through a mobile phone, tablet, or computer 2 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 7

Fees Can the monthly fee be waived?

Yes, by keeping a minimum daily 6, 6a balance of $1,000, or by linking to a Premium Interest Checking account, 8 otherwise $10.

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For additional applicable disclosures, please refer to pages 15 – 17

Personal Savings

Certificate of Deposit Use a Certificate of Deposit to maximize your savings for a fixed period of time. Features & Benefits: • Fixed interest rate, compounded daily 15 • Deposits are insured by the FDIC to at least $250,000 • Choose a flexible savings term between 28 days and 5 years 14 • Earn a competitive interest rate on money you don’t need to access right away • Save for retirement by opening an IRA Certificate of Deposit 16 • Use online banking and mobile banking to view balances through a mobile phone, tablet, or computer 2 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 are no monthly maintenance fees for Certificates of Deposit. There is an annual maintenance fee of $15 per plan holder for IRA Certificates of Deposit. 16 IRA Money Market Save for retirement with a product that gives you the flexibility to make additional deposits automatically or as needed. Features & Benefits: • Earn a Money Market interest rate while saving for retirement • Make additional deposits to your account at any time • Use online banking to manage finances on your time through a mobile phone, tablet, or computer 2 • Deposits are insured by the FDIC to at least $250,000 Withdrawals: Withdrawals 7 made from an IRA account before age 59 1/2 may be subject to federal taxes and penalties. Please consult your tax adviser before making withdrawals from an IRA account. 16 Fees: Can the monthly fee be waived? There is no monthly maintenance fee with this account. There is an annual maintenance fee of $15 per plan holder.

For additional applicable disclosures, please refer to pages 15 – 17 * Early withdrawal penalty applies to withdrawal of funds before maturity, regardless of whether you are eligible to begin receiving plan disbursements. 14

Mobile Check Deposit Limits Important Information

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

0 – 59 Days

60 – 179 Days 180+ Days

$1,000

$2,500

$5,000

$2,500

$5,000

$10,000

Important Account Disclosures 1. Please refer to the Deposit Account Agreement, Account Disclosure, Personal Banking Deposit Rate sheet, and the applicable schedule of fees, or speak with a banker for more details. 2. Online Banking & Mobile Banking – Mobile banking is included at no cost from California Bank & Trust. Requires download of CB&T 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

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