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Checking Accounts

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Premier Program Addendum

Deposit and loan products are offered by Bank of the West, Member FDIC.

Fees are subject to change. Please refer to the Deposit Account Disclosure for Personal Accounts and Schedule of Fees and Charges for Personal Deposit Accounts and any applicable addenda for complete terms and conditions of your personal checking Account.

1Deposits include direct deposit, mobile deposit, ATM deposit, or in-branch deposit of any amount. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West.

2Eligible accounts are bank deposit accounts (such as checking, savings, money market, CDs, and IRAs) and certain BancWest Investment Services accounts.**

3Upon request, we will refund one Overdraft Fee, Returned Item Fee, or Extended Overdraft Fee up to $36. One refund per rolling 12-month period.

4You will be charged an Overdraft Fee for an overdraft item paid if your account’s daily ending Available Balance is overdrawn more than $5.

5All ATM cash withdrawal fees charged by non-Bank of the West ATMs will be rebated within one (1) business day of the fees posting to your account. Other fees such as foreign currency transaction fees may apply.

6All loans are subject to credit approval and standard mortgage qualification and underwriting requirements. Certain fees and restrictions may apply. Must have at least one (1) Bank of the West Premier Checking account open prior to closing your Bank of the West mortgage loan to receive the loan administration fee waiver. Home equity loans and lines of credit are excluded. Other terms and conditions apply. Ask us for details.

7Enrollment in Online Banking and download of our Mobile App required. Wireless carriers may charge fees for text transmissions or data usage. Additional terms and conditions apply.

8A Premier Relationship Premium (available to Bank of the West Premier Checking customers) is a bonus interest rate added to the standard interest rate on one (1) qualifying Choice Money Market Savings account for selected balance tiers. Interest rates are set at the Bank’s discretion and are subject to change without notice. Only one (1) Choice Money Market Savings account can be linked to a Bank of the West Premier Checking account and must have the same ownership. To automatically qualify for a Relationship CD interest rate on select CD products, you must have a Bank of the West Premier Checking account with identical ownership as the Relationship CD. Additional terms and conditions apply. Ask a banker for details.

9Applicable to Gold Line Annual Fee and Gold Line Loan Advance Fee and Savings Overdraft Protection Transfer Fee.

10Consumer loans, lines of credit, and credit card products are subject to credit approval. Terms and conditions may apply. Certain fees and restrictions may also apply. For Credit Cards or Gold Line, please see the Summary of Credit Terms available at the time of application for complete information about fees, Annual Percentage Rates (APRs), and other costs.

11Small safe deposit box subject to availability. One-time set-up fee applies.

12 Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

13Gold Line account is subject to credit approval. Gold Line transfers are determined by your available credit limit. The Gold Line account will not advance funds to cover fees or charges assessed by the Bank. This may result in an overdraft on your checking account. Certain fees and restrictions may apply.

14Maintain at least $25,000 combined average monthly balance in this Bank of the West Premier Checking account plus other eligible personal Bank checking, money market, savings, CDs, IRAs, and eligible BancWest Investment Services investment accounts.

*This account earns interest at a variable rate. Rates differ based on balance. Rates may change any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Additional restrictions may apply.

**Bank of the West ("Bank") provides automatic access to the Bank of the West Premier program ("Program") to personal account holders who open at least one (1) Bank of the West Premier Checking account. The Program is only available to personal account holders and not available to businesses. The Program's benefits include reduced or waived fees or discounts for a suite of Bank products and services, as well as certain benefits made available by BancWest Investment Services (“BWIS”), the Bank's affiliated broker-dealer. Additional application, enrollment, or credit approval may be required, depending upon the product or service. Your access to the Program's benefits continues as long as you maintain at least one (1) Bank of the West Premier Checking account. See our Terms and Conditions.

Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321) and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, UT, WA, WI, WY, HI, Guam and CNMI. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.

Investments and Insurance Products: