Please Keep These Important Documents with Your Deposit Account Disclosure Booklet and Retain Them for Future Reference

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 1-4 Consumer Packages……….……..Page 5 Consumer Checking Accounts…..Page 6 Consumer Savings, Money Market, Certificate of Deposit and Individual Retirement Accounts………….…..Page 7 ATM and Debit Card Transaction Types and Limitations………….…Page 8 Online Banking Other Charges, continued External Transfers Copies of Deposit Slips or Paid Checks Standard (3 business days) External Transfer- $3 each Standard or Telephone Banking Requests No charge for first 2 copies Web Fee per statement cycle, then $2 Next Business Day External Transfer-Web Fee $10 each each Popmoney® Transfers Instant Requests $2 each Standard (3 business days) External Transfer- No Charge Copy of Draft for POS Transaction $3 each Web Fee Counter Check Fee $1 per check, minimum 4 Next Business Day External Transfer-Web Fee $3 each checks Schedule of Fees and Charges Online Bill Pay Deposited Item Returned $15 each Same Day Online Bill Payment – Transaction Fee $10.95 each Re-Deposited Item $4 each for Personal Deposit Accounts Overnight Check – Transaction Fee $17.50 each Early Closure (if checking, savings or money $25 per account (Arizona, Iowa, Kansas, Missouri, Nebraska, New Mexico, Additional Paper Statement Fee for Accounts with $3 per month market account is closed less than 91 days after it Oklahoma, South Dakota*, Utah and Wisconsin Branches) Online Statements was opened) Overdrafts and Returned Items Excess Withdrawal Fee (savings and money $15 each Effective November 14, 2015 Tier One - 1 Occurrence** Paid or Returned $31 each item market accounts)

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

Wires Incoming (Domestic or International) Processing Incoming Wire – Auto $13 each Processing Incoming Wire – Manual $15 each Outgoing Domestic Wire $30 each Direct Wire Non-Repetitive Transfer–Phone Initiation $20 each Direct Wire Repetitive Transfer–Phone Initiation $17 each Outgoing International Foreign Currency Wire $45 each Wire $45 each US $ Direct Wire Non-Repetitive Transfer–Phone Initiation $25 each US $ Direct Wire Repetitive Transfer– Phone Initiation $20 each Other Wire Services Tax Payments – Branch $30 each Drawdown (Reverse Wire) $15 each Incoming Wire Notification Telephone Notification $15 each Mail Advice $4 each Manual Fax $8 each Tracer Requests Domestic $20 each International $35 each Miscellaneous Outgoing Domestic – Wire Repair $10 each Outgoing International – Wire Repair $10 each Receiving Bank Repair Charge Varies Return Incoming Wire (customer request) $30 each Returned Outgoing Wire Transfer $12 each Wire Transfer Adjustment $30 each Standing Orders (Automatically Recurring) Domestic Wire $10 each International Wire $15 each Book Transfer Wire $5 each Maintenance $5 each Telephone Inquiry (Phone or Branch) $15 each Pass Through (from Correspondents) $30 each

Online Banking Other Charges, continued External Transfers Copies of Deposit Slips or Paid Checks Standard (3 business days) External Transfer- $3 each Standard or Telephone Banking Requests No charge for first 2 copies Web Fee per statement cycle, then $2 Next Business Day External Transfer-Web Fee $10 each each Popmoney® Transfers Instant Requests $2 each Standard (3 business days) External Transfer- No Charge Copy of Draft for POS Transaction $3 each Schedule of Fees and Charges Web Fee Counter Check Fee $1 per check, minimum 4 Next Business Day External Transfer-Web Fee $3 each checks for Personal Deposit Accounts Online Bill Pay Deposited Item Returned $15 each (Arizona, Iowa, Kansas, Missouri, Nebraska, New Mexico, Same Day Online Bill Payment – Transaction Fee $10.95 each Re-Deposited Item $4 each Overnight Check – Transaction Fee $17.50 each Excess Withdrawal Fee (savings and money $15 each Oklahoma, South Dakota*, Utah and Wisconsin Branches) Additional Paper Statement Fee for Accounts with $3 per month market accounts)

Effective May 14, 2016 Online Statements Expedited Delivery of ATM or Debit Card $65 per card Overdrafts and Returned Items Foreign Currency Changes from November 14, 2015 Schedule of Fees are in bold Tier One - 1 Occurrence** Paid or Returned $31 each item Exchange $5 per transaction Tier Two - 2+ Occurrences** Paid or Returned $35 each item Standard Shipping Fee $12 per transaction This schedule applies to personal accounts opened in Arizona, Iowa, Kansas, You will be charged an Overdraft Fee for an overdraft item paid if your account’s Priority Shipping Fee $15 per transaction Missouri, Nebraska, New Mexico, Oklahoma, South Dakota, Utah and daily ending balance is overdrawn by more than $5. You will be charged a Returned Foreign Drafts $45 each Wisconsin. This Schedule, along with the Deposit Account Disclosure for Item Fee for a returned item. No more than four Overdraft and/or Returned Item Foreign Draft Stop Payment $30 each Personal Accounts, current rate sheet, your current signature card, and any Fees will be applied on any one business day. Foreign Items Deposited other addenda that may be provided to you at account opening or from time to Extended Overdraft Fee: If your account remains overdrawn $15 or more for five (5) Collection $50 per item time thereafter form the agreement between you and Bank of the West as to consecutive business days you will be charged $30 on the sixth business day. Cash Letter $5 per item your checking, money market, savings, certificates of deposit, and retirement Overdraft Protection Inactive Account Letter $2 each accounts (collectively, the “Agreement”). The Bank reserves the right to add to, Savings Overdraft Protection Transfer Fee $12 each day that a transfer Legal Process (excluding subpoena) $150 per process delete from, discontinue, or otherwise amend any product, service, fee or occurs Letter Providing Account Information $10 each charge, package or program offering at any time with such notice as is Gold Line (credit approval required) Refer to the Gold Line Account Medallion Guarantee (Securities) $10 each required by law. To the extent that any of the terms or provisions of this Agreement and Disclosure Money Order $5 each Schedule of Fees and Charges conflict with those contained in any other Statement Reconcile Accounts $10 each hour (or fraction document in the Agreement, the terms and provisions contained herein shall Safe Deposit Box thereof; $10 minimum) control. Set-Up Fee $20 per box Stop Payment Fee $35 each order We regret that this document is not available in languages other than English. Annual Fee Varies (check, third party transfer, electronic) Please make sure that you understand all terms and conditions applicable to Safe Deposit Box Forced Opening Varies based on cost to bank Verification of Deposit $25 each your deposit account(s) and services. Statements Written Deposit Confirmation Fee $5 each Check Safekeeping No charge Continued on next page Image Statement (fronts of checks only) $2 per statement cycle Money Market accounts – no ATM Cards and Debit Cards charge Image Statement (fronts and backs of checks) $3 per statement cycle ATM Card/Debit Card Purchases No Charge ATM Statements $2 each Copy of a Statement $5 each Foreign Currency Transactions Ongoing Duplicate Statements $5 each MasterCard® Fee 1% of transaction amount Snapshot Statement $2 each *In South Dakota, Bank of the West operates under the name of Bank of the West Bank of the West Fee 2% of transaction amount Special Schedule Statements (off-cycle) $5 each California. Non-Bank of the West ATM Transactions Other Charges Balance Inquiry $2.50 per inquiry Account Research **Occurrence: (Solely for the purposes of overdrafts and returned item fees) An Transfer $2.50 per transfer Research Time $30/hour ($30 minimum) Occurrence is each day in which your account does not have sufficient available funds Withdrawal $2.50 per withdrawal Item Copies $1 each to cover the items presented for payment regardless of whether or not you are charged Debit Card Cash Advance Withdrawal at a $3 per withdrawal Cashier’s Checks $10 each an Overdraft or Returned Item fee for the item. For example, if you have three (3) items financial institution that displays the Check Cashing Fee (Bank of the West “on us” $7.50 per check presented for payment in a single day for which there are insufficient funds to cover MasterCard® Logo check in excess of $50) these items, that is considered to be one (1) “Occurrence”. However, you may be ATM Card or Debit Card Reissuance $5 per card Check Cashing Fee is waived for: (1) deposit account customers (excluding Basic charged for each of the three items. An Overdraft and/or Returned Item fee is based on (Lost or Stolen) Savings-only customers); (2) minors; (3) Bank of the West cashier’s checks; and (4) the number of Overdraft and Returned Item Occurrences in the current month plus the Debit Rewards Annual Membership $15 per year Bank of the West checks drawn on a deposit account in the name of any government previous 12 full months. IRA agency. Check Printing Varies with style IRA Annual Fee $12 per plan For the first Occurrence, you will be charged the Tier One fee for each item presented Sightline Checks for the visually impaired No charge IRA Transfer or Closing Fee $25 per plan for payment in a single day up to the daily maximum. For subsequent Occurrences in Collection Fee Night Depository the next 12 months, you will be charged the Tier Two fee for each item presented for Domestic $20 per item Annual Fee $20 per year payment in a single day up to the daily maximum. Key Deposit (non-refundable) $5 per key Foreign See Below

Wires Incoming (Domestic or International) Processing Incoming Wire – Auto $13 each Processing Incoming Wire – Manual $15 each Outgoing Domestic Wire $35 each Direct Wire Non-Repetitive Transfer–Phone Initiation $20 each Direct Wire Repetitive Transfer–Phone Initiation $17 each Outgoing International Foreign Currency Wire $50 each Wire $50 each US $ Direct Wire Non-Repetitive Transfer–Phone Initiation $25 each US $ Direct Wire Repetitive Transfer– Phone Initiation $20 each Other Wire Services Tax Payments – Branch $30 each Drawdown (Reverse Wire) $15 each Incoming Wire Notification Telephone Notification $15 each Mail Advice $4 each Manual Fax $8 each Tracer Requests Domestic $20 each International $35 each Miscellaneous Outgoing Domestic – Wire Repair $10 each Outgoing International – Wire Repair $10 each Receiving Bank Repair Charge Varies Return Incoming Wire (customer request) $30 each Returned Outgoing Wire Transfer $12 each Wire Transfer Adjustment $30 each Standing Orders (Automatically Recurring) Domestic Wire $10 each International Wire $15 each Book Transfer Wire $5 each Maintenance $5 each Telephone Inquiry (Phone or Branch) $15 each Pass Through (from Correspondents) $30 each

Consumer Packages Package Easy Banking Package Choice Banking Package Signature Checking Package1 Easy Checking and Choice Interest Checking and Signature Checking and Package Requirements2 Choice Money Market Savings and Choice Money Market Savings Choice Money Market Savings $75 monthly Auto-Save Package Features Pays interest on checking account balances X X Special customer interest rates on Choice Money X X X Market Savings3,4 Special customer interest rates on CD5 X Additional account with no monthly X service charge6 Deducted from your Easy Checking account: Deducted from your Choice Money Market Savings Deducted from your Signature Checking account: $8 with Online Statements account: $30 Monthly Service Charge OR $15 $10 with paper statements Each statement cycle, make a single monthly transfer of Each statement cycle, make a single monthly transfer of Maintain an average monthly balance of at least $15,000 $75 or more to Choice Money Market Savings from Easy $75 or more to Choice Money Market Savings from in Signature Checking per statement cycle, Checking through the Auto-Save Program Choice Interest Checking through the Auto-Save Program OR

AND do one of the following OR Maintain a $25,000 combined average monthly balance in Maintain an average monthly balance of at least $5,000 in Signature Checking plus all linked personal checking, Maintain an average monthly balance of at least $1,000 in Choice Money Market Savings per statement cycle savings, money markets, CDs and IRAs per statement Ways to Waive Monthly Service Charge Easy Checking per statement cycle, cycle OR Make a single direct deposit of $250 or more per statement cycle to Easy Checking OR Make a minimum of 10 net debit card purchases per statement cycle from Easy Checking

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.

Consumer Checking Accounts

1 Type of Account 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 No monthly service $30

OR charge if any account $10 with paper statements owner is age 55 or

For new accounts, we will waive the monthly For new accounts, we will waive the monthly older, otherwise $10 For new accounts, we will waive the monthly service charge for the first two statement cycles. service charge for the first two statement cycles. service charge for the first statement cycle.

Ways to Waive Monthly Service Charge Meet at least one of the following each Meet at least one of the following each Meet at least one of the following each statement statement cycle: statement cycle: cycle: • Maintain an average monthly balance of • Maintain an average monthly balance of • Maintain an average monthly balance of $15,000

$1,000 or more in this account $2,500 or more in this account At least one account or more in this account OR OR owner is age 55 or OR

• Receive a single direct deposit of $250 or more • Maintain a $5,000 combined average monthly older • Maintain a $25,000 combined average monthly OR balance in this account plus linked personal balance in this account plus linked personal

3 4 • Make a minimum of 10 net debit card savings, CDs, or IRAs checking, money market, savings, CDs, or IRAs purchases2 (PIN or signature)

Early Closure Fee: $25 (if account is closed less than 91 days after it is opened)

Overdrafts and Returned Items Tier One -1 Occurrence5 Paid or Returned: $31 each item 5 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.

Non-Bank of the West ATM Transaction $2.50 per transaction No charge (Balance Inquiry, Transfer, Withdrawal)

Stop Payment $35 per stop payment order No charge Check Printing First order free (one box No charge for Signature Checking checks or 25% Varies based on style ordered Varies based on style ordered of corporate image, discount on other styles (one box per order) wallet style checks)

Other Charges See Schedule of Fees and Charges for Personal Deposit Accounts for other fees that may apply. 1 If you do not qualify for one of these checking products, you may be offered an alternate checking product. 2 Net purchases equal total purchases minus returns/credits, and include only those debit card transactions posted to the account during the statement period. 3 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. 4 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. 5 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.

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: $100 $1,000  Premium Money Market IRA CD • Premium Money Market CD: (91 days to 24 months) $2,500  Flexible IRA CD (12-60 months) • 7-31 Day CD:  IRA Add-On CD1 (12 Months) $100,000 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: Meet at least one of the following each • Make a single transfer of $25 or more from a statement cycle: Bank of the West consumer checking account • Make a single transfer of $75 or more from a 2 through the Auto-Save program Bank of the West consumer checking account OR through the Auto-Save program2 • Maintain an average monthly balance of at OR least $300 in this account • Maintain an average monthly balance of at OR least $5,000 in this account N/A N/A

• Primary account owner is age 18 or younger OR • Maintain a Signature Checking Package or a Bank of the West Premier Checking account. Refer to the Signature Checking Package information on Page 5 or the Bank of the West Premier Program disclosure for details.

Early Closure Fee: N/A N/A (if account is closed less than 91 days after it is opened) Early Withdrawal Penalty may apply. $25 $25 Early Withdrawal Penalty may apply. See Deposit Account Disclosure See Deposit Account Disclosure booklet for details. 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 $15 each $15 each 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.

ATM and Debit Card Transaction Types and Limitations ATM Withdrawals and Transfers1 Point-of-Sale Transactions Cash Advances2 Card Type Frequency Dollar Amount Limitations3 Frequency Dollar Amount Limitations3 Frequency Dollar Amount Limitations3

ATM Card Unlimited Up to $500 per day N/A N/A N/A N/A

Debit Card – Signature Checking Up to 30 merchant Up to $5,000 worth of goods and Unlimited Up to $1,000 per day Unlimited Up to $1,000 per day transactions per day services per day

Up to 30 merchant Up to $3,500 worth of goods and All Other Debit Cards4 Unlimited Up to $500 per day Unlimited Up to $1,000 per day transactions per day services 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.