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Premier Checking

A premium-level Bank of the West relationship** with valuable benefits for your everyday banking

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Product Disclosures

Premier Program Addendum

1 Deposits 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.

2 Based on your accounts' ownership, the Bank will automatically identify your eligible Bank and BancWest Investment Services (“BWIS”) accounts for the purpose of calculating the combined average monthly balance. Eligible Accounts with ownership that is identical to that of the Bank of the West Premier Checking (referred to as “Identical Ownership”) will automatically have their account balances combined for the purpose of qualifying for rebate of the monthly service charge. Additionally, any owner of the Bank of the West Premier Checking may elect to Opt In to have account balances in other Eligible Accounts of which he/she is also an owner (referred to as “Common Ownership”) combined for the purpose of qualifying for rebate of the monthly service charge. By Opting In to Common Ownership, each owner of a joint Bank of the West Premier Checking understands and agrees that a co-owner may be able to discern balances in joint accounts held with other owners. Each owner may Opt Out of Common Ownership at any time. Grantor-trustees of Revocable Trusts may opt in to Common Ownership and balances of such trusts will be included with other individually or jointly held accounts. However, balances of irrevocable trusts may not be combined with personally held assets. Similarly, customers may not include assets over which they have representative or fiduciary control such as when the customer has power of attorney, acts on behalf of an estate, or serves as a guardian, conservator, or custodian. Additionally, fiduciaries opting in to Common Ownership assume responsibility for ensuring that any fiduciary account that may be combined in the Program will not be a violation of fiduciary duty. The date range of the Bank of the West Premier Checking account's statement cycle will be used to calculate the combined average monthly balance in the eligible associated checking, money market, savings, CD, IRA accounts and eligible BWIS investment accounts. For the Bank to determine whether the combined average monthly balance requirement has been met, BWIS will provide balance information for all eligible investment accounts as received from affiliates and third party providers.

3 All 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.

4 All loans and lines of credit subject to credit approval. Certain fees and restrictions may apply. Qualifying consumer-lending products include Auto, Boat, RV, Military Loans, Handyline, Unsecured Personal Loans, Home Equity Lines of Credit and Home Equity/Home Improvement Loans (in 2nd position only). Excluded are Mortgage Loans, Home Equity/Home Improvement Loans (in 1st position), Airplane Loans, Gold Line, Vacant Land Loans, Fixed Rate Loan Options, Savings- CD Secured Loans and Credit Cards.

5 A Premier Relationship Premium (available to Bank of the West Premier Checking customers) is a bonus interest rate on one (1) qualifying Choice Money Market Savings account for selected balance tiers. The standard interest rate plus the Premier Relationship Premium Interest Rate equals the Premier Relationship Interest Rate. Premier Relationship Premium 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 for the purposes of obtaining the Premier Relationship Interest Rate. If you have a second Bank of the West Premier Checking account, it does not provide a Premier Relationship Interest Rate to any Choice Money Market Savings or Relationship CD associated with it. There may not be a Premier Relationship Premium associated with every balance tier.

6 Credit cards subject to credit approval. Certain fees and restrictions may apply. Refer to the World MasterCard Credit Card Agreement for more details. * 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.

**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.

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:

NOT FDIC INSURED
NOT BANK GUARANTEED
MAY LOSE VALUE
NOT A DEPOSIT
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY