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

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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 or Telephone Banking Requests No charge for first 2 copies Standard (3 business days) External Transfer- $3 each 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 was opened) Oklahoma, South Dakota*, Utah and Wisconsin Branches) Online Statements 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. agency. IRA 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 Form # 030-08606 (Rev. 2/29/16) AZ, IA, KS, MO, NE, NM, OK, SD, UT, WI © 2016 Bank of the West. Page 1 of 8 Member FDIC 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 Form # 030-08606 (Rev. 2/29/16) AZ, IA, KS, MO, NE, NM, OK, SD, UT, WI © 2016 Bank of the West. Page 2 of 8 Member FDIC 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
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