Big business or small business, these accounts are all business.

Business Checking & Savings Options Big business or small business, these accounts are all business.

Custom business solutions for every business need. Business Checking & Savings Options Whether you re an on-the-go small-business owner or the chief financial officer of a corporation, you ll find the right banking solutions at CB&T. From basic checking and savings with easy-to-use online and mobile banking tools to analyzed accounts with sophisticated Treasury Management Services, we offer solutions for businesses of all sizes. Take a look at our full suite of accounts. All of them include free features and benefits, the convenience of banking anytime, anywhere, and the confidence of knowing a network of professional bankers is supporting you. Primary Business Checking Accounts Business Inspire Checking 6 Business Growth Checking 7 Business Interest Checking 8 Business Connect Checking 9 Business Analyzed Account 10 Specialty Business Checking Accounts Community Checking 12 Attorney Client Checking 13 Business Savings Accounts Business Savings 15 Business Money Market 16 Business Money Market Sweep 17 Business CD/Business Jumbo CD 18 Let us help you choose the accounts that are right for your business. For additional applicable disclosures, please refer to pages 19 21

Primary Business Checking Accounts Bank where you want, when you want. Each of our business checking accounts comes with these helpful tools to serve your business day or night, from virtually anywhere. Direct Business Internet Banking View accounts, statements, and current-day transactions. Transfer funds between accounts. Pay bills and set up future payments. Direct Business Plus Internet Banking Get all the features of Direct Business Internet Banking, plus: Make tax payments online. Transfer payroll and reimbursement funds to employee accounts. CBT Business Mobile Banking Supplement your Direct Business Internet Banking or Direct Business Plus Internet Banking features. Access your accounts, pay your bills, and deposit checks from anywhere using your mobile phone or device. edocuments Enroll in estatements, enotices, and etax Documents and opt out of paper. View statements and notices online and in our mobile app. Business Analyzed Account This account is designed for businesses that have the highest level of activity, have sophisticated reporting needs, or need treasury management services. With this account, fees will be charged for the services your business uses, and part, or all, of the charges can be offset by a monthly earnings credit. For additional information on the Business Analyzed Account, please see page 10 and refer to our Account Analysis Brochure. Overview Interest Paid Business Inspire Checking Business Growth Checking Business Interest Checking Business Connect Checking Keep your business moving with a checking account built to make your banking simple. Keep your business growing with more generous monthly transaction 4 and cash deposit limits. 5 Earn interest on business checking balances while enjoying generous transaction limits. Give your business an edge with access to our expert banking team and a variety of tools designed to help make your business more efficient. Monthly Transaction Limit 50 250 250 400 Monthly Cash Deposit Limit $3,000 $15,000 $15,000 $15,000 Opening Balance Requirement $50 $50 $50 $50 Direct Business or Direct Business Plus Internet Banking with Bill Pay CBT Business Mobile Banking with CBT Mobile Deposit Visa Business Debit Card edocuments ACCOUNT MANAGEMENT TOOLS FEE INFORMATION Over-limit Fee (per transaction above limit) $0.40 $0.40 $0.40 $0.40 Over Cash Fee (per $100 cash deposit above limit) $0.15 $0.15 $0.15 $0.15 Monthly Maintenance Fee $7 $12 $15 $18 Avoid the Monthly Maintenance Fee 9 Maintain a $1,000 minimum balance 7 or conduct $1,000 or more in transactions (debits or credits) each month. 8 Maintain a $2,500 minimum daily balance7 or $10,000 in business loan balances. 14 Maintain a minimum daily balance of at least $3,500. 7 Maintain a combined business deposit balance of $10,000, a business loan 14 /credit card 15 balance of $50,000, 7 or pay a minimum of $150 for other qualified banking services. 20 Monthly Paper Statement Fee $3 $3 $3 $3 Avoid the Paper Statement Fee Opt out of paper with estatements Opt out of paper with estatements Opt out of paper with estatements Opt out of paper with estatements ADDITIONAL BENEFITS Additional Benefits See page 6 See page 7 See page 8 See page 9 2 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 3

Specialty Business Checking Accounts Business Savings Accounts Business Checking Community Checking Attorney Client Checking Business Savings Business Money Market Business MMA Sweep Overview Interest Paid Manage the complexity of your nonprofit organization with an account designed for 501(c)(3) and 501(c)(4) charitable organizations dedicated to improving our community. Earn interest on attorneys checking balances held in trust for multiple clients; interest is paid directly to the state association. Overview Ideal for businesses that want a traditional savings account with a low minimum balance requirement. Ideal for businesses that want to earn a competitive, tiered interest rate on their account balances while having flexible access to their funds. Designed for small businesses that have excess cash, and have limited sweep transactions from money market to checking. Monthly Transaction Limit 350 Unlimited Monthly Cash Deposit Limit $15,000 Unlimited Opening Balance Requirement $50 $200 Direct Business or Direct Business Plus Internet Banking with Bill Pay CBT Business Mobile Banking with CBT Mobile Deposit Visa Business Debit Card edocuments Over-limit Fee (per transaction above limit) Over Cash Fee (per $100 cash deposit above limit) ACCOUNT MANAGEMENT TOOLS FEE INFORMATION Yes, without Bill Pay Yes, without CBT Mobile Deposit $0.40 N/A $0.15 N/A Monthly Maintenance Fee $10 $0 Avoid the Monthly Maintenance Fee 9 Maintain a minimum daily balance of $1,000 or a combined business deposit/loan 14 /credit card 15 balance of $10,000, 7 or pay a minimum of $150 for other qualified bank services. 20 Monthly Paper Statement Fee $3 $0 Avoid the Paper Statement Fee Opt out of paper with estatements N/A ADDITIONAL BENEFITS Additional Benefits See page 12 See page 13 N/A Interest Paid Opening Balance Requirement $100 $1,000 $250,000 Monthly Deposit Transaction Limit 50 50 N/A Monthly Cash Deposit Limit $15,000 $15,000 N/A Top Balance Tier $100,000 $250,000 $100,000 Direct Business Internet Banking CBT Business Mobile Banking with CBT Mobile Deposit Visa Business Debit Card edocuments Over Deposit Limit Fee (per item over limit) ACCOUNT MANAGEMENT TOOLS FEE INFORMATION $0.40 $0.40 N/A Over Cash Deposit Fee (per $100) $0.15 $0.15 N/A Monthly Maintenance Fee $5 $10 $25 Avoid the Monthly Maintenance Fee 9 Maintain a minimum daily balance of at least $500. 7 Maintain a minimum daily balance of at least $2,500. 7 Paper Statement Fee $3 $3 $0 Avoid the Paper Statement Fee Opt out of paper with estatements ADDITIONAL BENEFITS Opt out of paper with estatements Additional Benefits See page 15 See page 16 See page 17 N/A N/A Primary Business Checking Accounts Business Inspire Checking Business Growth Checking Business Interest Checking Business Connect Checking Business Analyzed Account You will find descriptions of our business checking account options on the next several pages. Each one is designed to fit the needs of a different size or type of business, but all of them come with valuable features, a convenient branch network, and a team of professional business bankers. Please let us know if we can answer any questions about our accounts or help you decide which ones are right for your business. Note: For government, municipality, and public entities, ask about our Public Funds accounts specially designed for these organizations. 18 A Business Certificate of Deposit (CD) is an additional option, which provides a guaranteed fixed interest rate over a variety of term options. FDIC protection of up to $250,000 per account holder comes standard with all CB&T bank accounts. 4 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 5

Business Checking Business Inspire Checking Keep your business moving with a checking account built to make your banking simple. Open an account with a minimum deposit of $50 Conduct up to 50 transactions per month at no charge 4 Deposit up to $3,000 in cash per month without a fee 5 Use Business Online Banking and Business 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 Get cash when you need it with no ATM charges at any California Bank & Trust ATM 25 Make purchases anywhere Visa is accepted with your California Bank & Trust Business Debit or Credit card 15 Yes, 9 by maintaining a $1,000 minimum balance 7 or by conducting $1,000 or more in transactions (debits or credits) each month. 8 Business Growth Checking Keep your business growing with more generous monthly transaction 4 and cash deposit limits. 5 Open an account with a minimum deposit of $50 Conduct up to 250 transactions per month at no charge 4 Deposit up to $15,000 in cash per month without a fee 5 Use Business Online Banking and Business 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 Get cash when you need it with no ATM charges at any California Bank & Trust ATM 25 Make purchases anywhere Visa is accepted with your California Bank & Trust Business Debit or Credit card 15 Access optional treasury management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 17 Yes, 9 with a $2,500 minimum daily balance 7 or $10,000 in business loan 14 /credit card 15 balances. 6 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 7

Business Checking Business Interest Checking Earn interest on business checking balances while enjoying generous transaction limits. Open an account with a minimum deposit of $50 Conduct up to 250 transactions per month at no charge 4 Deposit up to $15,000 in cash per month without a fee 5 Earn interest on your checking account balance 1 Earn premium interest rates on eligible Savings and Money Market accounts 13 Use Business Online Banking and Business 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 Get cash when you need it with no ATM charges at any California Bank & Trust ATM 25 No monthly service fee for additional Savings and Money Market accounts linked to your relationship 12 Make purchases anywhere Visa is accepted with your California Bank & Trust Business Debit or Credit card 15 Yes, 9 by maintaining a minimum daily balance of at least $3,500. 7 Business Connect Checking Give your business an edge with access to our expert banking team and a variety of tools designed for efficiency. Open an account with a minimum deposit of $50 Conduct up to 400 transactions per month at no charge 4 Deposit up to $15,000 in cash per month without a fee 5 Earn premium interest rates on eligible Savings and Money Market accounts 13 Make up to two (2) outgoing Domestic Wire Transfers each month with no fee when you submit the wire request through Business Online Banking 11 No monthly service fee for additional Savings and Money Market accounts linked to your relationship 12 Add an optional Business Money Market Sweep account 21 to help maximize your earnings Access optional treasury management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 17 Use Business Online Banking and Business Online Bill Pay to manage finances on your time through a mobile phone, tablet, or computer 2 Get cash when you need it with no ATM charges at any California Bank & Trust ATM 25 Make purchases anywhere Visa is accepted with your California Bank & Trust Business Debit or Credit card 15 Yes, 9 by maintaining a combined business deposit account balance of $10,000, a business loan 14 /credit card 15 balance of $50,000, or by paying a minimum amount of $150 for other qualified banking services during the month. 20 8 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 9

Business Checking Specialty Business Checking Business Analyzed Account Effectively administer higher levels of banking activity and benefit from comprehensive treasury management solutions. Maintain a larger account balance and offset part, or all, of the service fees with an earnings credit. This account provides the flexibility to use many different treasury management solutions on an as needed basis An itemized list of services is provided each month along with applicable service charges An earnings credit is also calculated each month, and that credit can offset part, or all, of the account service charges If service charges are not fully offset, the statement will indicate what account balance is required to avoid all charges For additional information on Account Analysis services, please refer to our Account Analysis brochure. Specialty Business Checking Accounts Community Checking Attorney Client Checking Learn more about our specialty checking account options on the next two pages. If you manage a nonprofit organization, take a look at our Community Checking account. If you are an attorney administering clients funds, our Attorney Client Checking is designed to help you manage those funds. If you have questions about either account, we re here to help. 10 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 11

Specialty Business Checking Community Checking Manage the complexity of your nonprofit organization with an account designed for 501(c)(3) and 501(c)(4) charitable organizations dedicated to improving our community. Open an account with a minimum deposit of $50 Conduct up to 350 transactions per month at no charge 4 Deposit up to $15,000 in cash per month without a fee 5 Earn premium interest rates on eligible Savings and Money Market accounts 13 Make up to two (2) outgoing Domestic Wire Transfers each month with no fee when you submit the wire request through Business Online Banking 11 Access optional treasury management services that focus on simplifying payments, reducing fraud, and moving money more efficiently 17 Use Business Online Banking 2 and Business Online Bill Pay to manage finances on your time through a mobile phone, tablet, or computer Attorney Client Checking This account enables California attorneys to protect and conveniently deposit and distribute their clients trust funds while interest is paid to the California Bar Association. California Bank & Trust is an approved depository of IOLTAs Interest earned on this account is remitted to the State Bar of California in accordance with statutory requirements Attorneys must maintain a separate operating account with California Bank & Trust. The operating account will be charged service-related fees that cannot be assessed to the Attorney Client Checking account. Skip the trip to the bank with mobile check deposit 3 Get cash when you need it with no ATM charges at any California Bank & Trust ATM 25 Make purchases anywhere Visa is accepted with your California Bank & Trust Business Debit or Credit card 15 Yes, 9 by maintaining a minimum daily balance of $1,000 or a combined business deposit/loan 14 /credit card 15 balance of $10,000, 7 or by paying a minimum amount of $150 for other qualified banking services during the month. 20 12 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 13

Business Savings Business Savings Ideal for businesses that want a traditional savings account with a low minimum balance requirement. Open an account with a minimum deposit of $100 Deposit up to $15,000 in cash per month without a fee 5 Earn premium rates with a qualifying checking account 13 Variable rate, compounded daily, 19 paid monthly Business Savings Accounts Business Savings Business Money Market Business CD/Business Jumbo CD From business savings to money market accounts and certificates of deposit, each of these FDIC-insured, interest-bearing accounts is designed to help your business protect and grow its cash and savings. Deposit up to 50 items per month at no charge 10 Use Business Online Banking to manage finances through a mobile phone, tablet, or computer 2 Skip the trip to the bank with mobile check deposit 3 Get cash when you need it with no ATM charges at any California Bank & Trust ATM 25 Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 10 Yes, 9 by maintaining a minimum daily balance of at least $500. 7 14 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 15

Business Savings Business Money Market Ideal for businesses that want to earn a competitive, tiered interest rate on their account balances while having flexible access to their funds. Open an account with a minimum deposit of $1,000 Deposit up to $15,000 in cash per month without a fee 5 Earn premium rates with a qualifying checking account 13 Variable rate, compounded daily, 19 paid monthly Deposit up to 50 items per month at no charge 10 Use Business Online Banking to manage finances through a mobile phone, tablet, or computer 2 Skip the trip to the bank with mobile check deposit 3 Get cash when you need it with no ATM charges at any CB&T ATM 25 Business Money Market Sweep Designed for small businesses that have excess cash, and have limited sweep transactions from money market to checking. A primary business checking account (any type) is required to open a Business Money Market Sweep account 21 Variable rate, compounded daily, 19 paid monthly Conduct up to six transfers (sweeps) out of the account per month at no charge 10 There is no monthly fee waiver available with this account. Withdrawals Transaction limits apply. Make up to six withdrawals and transfers each month without a withdrawal fee. 10 Yes, 9 by maintaining a minimum daily balance of at least $2,500. 7 16 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 17

Business Savings Business Certificates of Deposit (CDs) Use a Certificate of Deposit to maximize your savings for a fixed period of time. Open an account with a minimum deposit of $1,000 Deposits are insured by the FDIC to at least $250,000 Earn a competitive interest rate on money you don t need to access right away Fixed interest rate, compounded daily 23 Choose a flexible savings term between 28 days and 5 years 22 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. There is no monthly fee with this account. Important Information Mobile Check Deposit Limits Relationship Age Daily Deposit Limit Rolling 30 Days Cumulative Deposit Limit 0 179 Days 180+ Days $7,500 $10,000 $15,000 $20,000 Important Account Disclosures 1. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet, and the Service Charge Information schedule, or speak with a banker for more details. 2. Business Online Banking & Mobile Banking Mobile Banking requires download of the smartphone or tablet version of CBT Business Mobile Banking from the Apple App Store, Google Play, or Samsung Galaxy App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Please see the Service Charge Information schedule for applicable fees. Subject to the terms and conditions of the Business Online Banking services agreement. 3. Mobile Deposits Take a picture of your check deposit and submit through your mobile phone. Limits apply: see table above. Message and data rates from your wireless provider may apply. Requires download of Mobile Banking App enrollment in Mobile Banking and a separate contract. 4. Monthly Transaction Limits Transaction: A transaction is a combination of debited items (withdrawals) credited items (deposits) and deposited items per statement cycle, and includes the following: Credits any deposit into the account. Debits any withdrawal such as check, draft, ACH or other debit against the account. Deposited items each individual item that comprises a deposit such as a check or other item deposited. 5. Cash Deposit Limits There is a charge per $100 cash deposited over your allowance. Please refer to the Service Charge Information schedule and account disclosure for additional details. 6. edocuments To avoid the Paper Statement Fee of $3, you must enroll in Online Banking, and opt your account out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, you must have opted your primary account out of receiving paper statements. 18 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 19

Important Account Disclosures 7. Minimum Balance/Combined Balance Requirements In order to avoid a monthly service fee, the minimum balance or combined balance requirement must be met. The monthly service fee amount is provided as part of the disclosures upon account opening. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly service fee will be assessed. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked business accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. Combined Loan Balance: The combined outstanding loan balance is calculated on the business day prior to the statement date for the following business loans: term loans, lines of credit, overdraft line of credit, credit card and SBA loans. Mortgage loans are not included. The business listed as the primary owner of the checking account must be a borrower on all linked accounts. If a customer has two or more different checking accounts, credit for combined balances will only be given to the account with the highest monthly service fee. 8. Activity-Based Waivers For the Business Inspire checking account, monthly Service requirements may be met by conducting $1,000 in transactions, defined as debits and credits. Debits and credits may come in the form of cash deposits or withdrawals, ACH, checks, online transfers, or debit card transactions. 9. Waived Service fee waivers will only apply to the primary account. 10. Excessive Savings or Money Market Transactions Withdrawals: Federal banking regulations allow up to six (6) withdrawals by check, debit card, or pre-authorized, telephone, or computer transfer to another account or third party during a monthly statement cycle of at least four weeks. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. A excessive withdrawal fee of up to $15 is assessed if you exceed your withdrawal limits during a monthly statement cycle. If the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account. Deposits: $0.40 charge per additional deposited item over 50. 11. Wire Transfer Waivers For specific accounts, two outgoing online banking wire transfer fees will be automatically refunded each service cycle. Other financial institutions fees are not refunded. Any additional incoming or outgoing wire fees will apply. Additional outgoing and incoming wire fees, domestic and international, will apply. See the applicable fee schedule for details. 12. Linked Account Benefit Monthly maintenance fees are waived on linked business savings and business money market accounts when the primary owner of the Business Connect or Business Interest checking account is also an owner on the linked account. 13. Premium Rate Tier Premium rate tiers are applied automatically to business savings and business money market accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. For rate information please see the Deposit Rate Sheet. 14. Loans All loans are subject to credit approval; terms and conditions apply. See a California Bank & Trust professional banker for details. 15. Credit Cards Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply. Visa is the registered trademark of Visa International Service Association and California Bank & Trust does not claim any ownership or exclusive rights to the use of this trademark. 17. Business Management Solutions Includes Positive Pay (fraud protection), Remote Deposit Web Client, Direct Business Online Banking, and Direct Business Plus Online Banking. See treasury management for product details and schedule of fees. Certain treasury management services may require credit approval; contract may also apply. 18. Public Funds Accounts Eligibility rules may apply. Ask your banker for additional information. 19. Savings and Money Market Interest Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after the account is opened. Other fees may apply and may reduce earnings. Contact a branch for details. 20. Service Fee Alternative In addition to the balance-related minimums, the Service Fee Alternative will waive the monthly service fee on the Business Connect, and Community Checking accounts if the qualified banking services (those billed through Account Analysis) fees charged to your account total an amount greater than $150 during a monthly statement cycle. Contract may be required. 21. Sweep Accounts Please see your California Bank & Trust professional banker for details. 22. Certificates of Deposit Interest Interest is calculated on collected funds only. Annual Percentage Yield (APY) is fixed for the term of the CD. Penalties assessed for early withdrawal. may reduce earnings. 23. Certificates of Deposit Interest Your disclosed interest rate will not change until the CD renews. Interest is calculated using the daily balance method, which applies a daily periodic rate to the collected balance in the account each day. Annual percentage yield (APY) is variable and may change. Penalties assessed for early withdrawal. Other fees may apply and may reduce earnings. Ask your banker for details. 24. Overdraft Protection Services Insufficient Funds Fee (NSF): $36 per transaction posted against insufficient funds, whether the bank opts to pay or decline the transaction. See the Service Charge Information schedule for details. Extended Overdraft Fee (Overdraft Service Fee): $6 per day overdraft service fee applies. See the Service Charge Information schedule for details. Overdraft Protection: Optional overdraft protection services are available; subject to application and credit approval. Overdraft fees and applicable transfer fees may apply. See the Deposit Account Agreement and the Service Charge Information schedule for details. 25. ATM Charges An ATM charge of up to $2 applies to transactions conducted at ATMs not owned or operated by ZB, N.A. In addition, ATM operator fees may be assessed. 20 For additional applicable disclosures, please refer to pages 19 21 For additional applicable disclosures, please refer to pages 19 21 21

It doesn t have to end here. Call, visit our website, or come in and speak to a professional banker today. (800) 355-0512 calbanktrust.com Come in A division of ZB, N.A. Member FDIC Equal Housing Lender SBA Preferred Lender ZB, N.A. NMLS# 467014 MKT 102 (09/17) 1017 2017 ZB, N.A.