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7 OVERVIEW Personal Checking Accounts Personal Checking Teen Checking 1 Interest Checking Checking 55 Club Account This basic checking account has no monthly fee when you meet easy-to-reach balance requirements. Teach your teens age 13 through 17 financial responsibility and practical money management skills. The convenience and value of a personal checking account with the added benefit of earning interest. Designed exclusively for those age 55+, this checking account provides great value. This premium interest bearing checking account provides you with the most services and benefits. HSA Checking 3 This flexible account is designed for individuals enrolled in a High Deductible Healthcare Plan. MINIMUM TO OPEN $500 $10 $500 $100 $1,000 No minimum. $25 set-up fee. TO WAIVE MONTHLY MAINTENANCE FEE MONTHLY MAINTENANCE FEE $1,000 minimum daily balance, or $2,000 monthly average balance, or $15,000 monthly average balance in any combination of deposit accounts $ $2,000 minimum daily balance, or $5,000 monthly average balance, or $15,000 monthly average balance in any combination of deposit accounts $13 Minimum daily balance of $500 in this account, or Open and maintain a CD with a balance of $1,000 or more. $8 Monthly average balances totaling $25,000 or more in any combination of deposit accounts $15 $2.50 EXTERNAL TRANSFER PEOPLE PAY INCLUDED SERVICES All included services listed below. All included services listed below, plus: Free gift (one per first account, up to $10 value) ATM/Visa Debit Card withdrawal limits may be restricted by parent or guardian (must be joint account holder) All included services listed below. All included services listed below, plus: $10 annual credit towards Safe Deposit Box No added charge from Bank of Marin for ATM withdrawals outside the MoneyPass Network for cashier s checks for first box of standard Bank logo checks All included services listed below, plus: $25 annual credit towards Safe Deposit Box No added charge from Bank of Marin for ATM withdrawals outside the MoneyPass Network for cashier s checks for first box of standard Bank logo checks View account in Online Banking and Mobile Banking. Visa Debit Card available on Apple Pay Included Services ATM/Visa Debit Card. for ATM withdrawals at MoneyPass Network ATMs. Visa Debit Card available on Apple Pay. Online Banking, including free bill pay, e-statements or paper statements. Mobile Banking including mobile check deposit. The added security of full FDIC insurance up to the allowable FDIC limits. Plus, ask us about adding convenient overdraft protection to ensure your transactions are covered. (Overdraft Credit Link subject to credit approval.) Today s Rates Interest Checking Accounts only. Date: Account Balance Interest Rate Annual Percentage Yield $0 $9,999 $10,000 $24,999 $25,000 $49,999 $50,000 or more The interest rate and corresponding Annual Percentage Yield (APY) which will be earned on your account will be based on the balance range which your account falls at the end of each day. Interest bearing checking accounts earn interest on all collected balances. Interest is compounded daily and credited monthly. The interest rate and annual percentage yield may change at any time. Fees could reduce earnings on the account. Please see our Fees & Charges insert for additional fees that may affect your account. 1 If primary account owner is a minor, an additional account owner of legal age is required. 2 When account holder turns age 18, Personal Checking fees, waivers and terms apply. 3 For other terms of use, please see the terms and conditions provided to you on your Health Savings Custodial Account Agreement. Consult your tax advisor to determine the specific tax advantages of a Health Savings Account.

8 OVERVIEW MINIMUM TO OPEN Personal Savings & Money Market Accounts Personal Savings The safe way to put your money to work. $300 Kids & Teen Savings 4 Opening a savings account together with your child can help teach financial responsibility. For kids age 17 and under. $10 All the convenience of easy access to your savings plus competitive rates. $1,000 Money Market CDs and IRAs Certificate of Deposit (CDs) Benefit from a guaranteed return on your savings with fixed rates and a choice of term; plus the added security of FDIC insurance on your investment. Terms Minimum Balance Less than 6 months $2,500 6 months or more (5 yrs. max) $1,000 TO WAIVE MONTHLY MAINTENANCE FEE MONTHLY MAINTENANCE FEE Today s Rates Savings & Money Market Accounts Account Balance Interest Rate Annual Percentage Yield Interest Rate Annual Percentage Yield $0 $24,999 $25,000 $49,999 $50,000 $99,999 $100,000 $349,999 $350,000 $749,000 $750,000 or more $300 minimum daily balance $3 5 None 5 4 If primary account owner is a minor, an additional account owner of legal age is required. 5 When account holder turns age 18, Personal Savings maintenance fees, waivers and terms apply. Date: $2,500 minimum daily balance or $5,000 average monthly balance or $15,000 monthly average balance in any combination of deposit accounts The interest rate and corresponding Annual Percentage Yield (APY) which will be earned on your account will be based on the blance range which your account falls at the end of each day. Interest bearing savings or money market accounts earn interest on all collected balances. Interest is compounded daily and credited monthly. The interest rate and annual percentage yield may change at any time. Fees could reduce earnings on the account. Please see our Fees & Charges insert for additional fees that may affect your account. Applicable to Savings and Money Market Accounts: You can make unlimited withdrawals and transfers in person at a branch, by mail, by messenger, and through ATMs. Regulation limits your account to a total of six (6) preauthorized transfers or withdrawals in any combination of checks paid, automatic transfers, pre-authorized debits (including transfers for overdraft protection), telephone transfers or other electronic transmission, online banking transfers or bill payment transfers per statement cycle. Applicable to Money Market Accounts only: If you exceed the six (6) pre-authorized transfers or withdrawals, there is a charge of $25 per excess transfer or withdrawal. Please ask us about other convenient services we offer: $10 Make saving for retirement easy with a Bank of Marin IRA CD. Your earnings will accumulate tax-deferred, plus there is no annual fee or set up charge. Enjoy a guaranteed return on your investment with the security of FDIC insurance. Terms Minimum Balance 1 yr, 18 mos, 2 yrs, 3 yrs, or 5 yrs $100 Today s Rates CDs & IRAs Date: Rates quoted here are subject to change at any time prior to account opening. Account Balance Interest Rate Annual Percentage Yield $0 $9,999 $10,000 $49,999 $50,000 $99,999 $100,000 or more Individual Retirement Accounts (IRAs) Interest: For IRAs and CDs, the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. CDs Interest is compounded daily and can be paid monthly or quarterly. For terms of less than one year, interest may also be paid at maturity. Interest may be paid by credit to this account, to another Bank of Marin account, or by check. IRAs Interest is compounded daily and paid quarterly by credit to this account. Withdrawals Early withdrawal penalties may apply please refer to the Deposit Agreement & Disclosure Statement for details. Other Fees IRAs have a transfer or termination fee of $35. Please see our Fees & Charges insert for additional fees that may affect your account. Maturity Notice You will receive a maturity notice 15 days prior to maturity. There is a grace period of 10 days following maturity during which you can make additions or withdrawals without penalty. Withdrawals may be made by mail, fax, telephone transfer, or in person. Automatic Account Renewal If you have not made other arrangements before expiration of the 10-day grace period, your CD automatically renews for the original term at the Bank s posted rate on date of renewal. For office contact information, visit bankofmarin.com Overdraft Protection Credit Cards Safe Deposit Boxes International Services Health Savings Accounts Personal Loans Wealth Management & Trust Services Home Equity Line of Credit Fraud Prevention Resources PO PCS 08/15

9 STATEMENT OF FEES THROUGH APRIL 22, 2018 EFFECTIVE APRIL 23, 2018 Account Research Account research, personal Account research, business Check/image/deposit copy Snapshot statement Statement photocopy $40.00hr./$40.00 min $40.00 hr./$40.00 min. $5.00 ea. $5.00 per statement $25.00/hr., $10 min. $40.00 hr./$10.00 min. $3.00 ea. $5.00 ea. $5.00 ea. ATM & ATM/Visa Debit Card Lost, stolen or destroyed card New or renewal Expedited card Expedited PIN request ATM withdrawals Bank of Marin ATM or within MoneyPass network. ATM withdrawals Outside the MoneyPass network. Visa International Settlement/ Exchange Fees $25.00 ea. Any ATM fee over $6.00 is charged Maximum of 1% of transaction amount $5.00 ea. $40.00 ea. $10.00 ea. 6 free/cycle. $2 ea. thereafter. Maximum of 1% of transaction amount Collection Incoming collection Outgoing domestic collection Outgoing foreign collection $40.00 ea. $40.00 ea. $40.00 ea. $15.00 ea. $15.00 ea. Cost + $15.00 ea. Foreign Exchange Foreign draft Foreign currency exchange Overdraft Nonsufficient funds $40.00 ea. Regular delivery $25.00 Rush delivery $30.00 $35.00 ea. $25.00 ea. $15.00 ea. $30.00/item, paid or returned (maximum of 3 overdraft per item fees per day) Personal Online Banking Online Banking with Bill Pay, Quicken, and e-statements External Transfer People Pay Mobile Banking Safe Deposit Box Safe deposit boxes rental (based on size) 3 x 5 3 x 10 5 x x 10 Key deposit Lost key Box drilling Late payment fee $50.00 / annually $75.00 / annually $ / annually $ / annually $20.00 ea. plus cost $ plus cost $45.00 / annually $70.00 / annually $95.00 / annually $ / annually $25.00 ea. $ ea. $15.00 ea. 504 REDWOOD BLVD, SUITE 100 (415)

10 STATEMENT OF FEES THROUGH APRIL 22, 2018 EFFECTIVE APRIL 23, 2018 Stop Payment Stop payment, phone or in-branch Stop payment, online $30 ea. $30 ea. $20 ea. Valet (courier) Valet pickup Valet non-cancellation $10 per pickup $10 ea. $10 ea. Wire Incoming - Domestic and International Domestic in branch International in branch Fax/phone notification $15 $35 $40 2 free/cycle, $10 ea. thereafter $30 ea. $40 ea. $5 ea. Other Services Cashiers check Deposited item returned Levy, Writ, Garnishment Other legal process Notary (bank documents only) Medallion signature guarantee Excess money market transaction Business Excess Funds Transfer Business One Way Funds Transfer Bagged coin verification Check printing Paper statements Signature guarantee Touchtone banking access (Telephone) $10 ea. $10 ea. $100 ea. $15 per signature $25 $5 per month $8 ea. $10 ea. $100 ea. As determined by law $25 ea. $25 ea. $25/mo/acct. $100/mo/acct. $10/bag Cost varies 504 REDWOOD BLVD, SUITE 100 (415)