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Choice Money Market Savings

Earn interest at a premium rate when you link this account to a Bank of the West personal checking account. Plus, with Signature Checking or Bank of the West Premier Checking customers can earn even more.1, 2

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Disclosures

1A Relationship Premium or a Premier Relationship Premium (available to Signature Checking or Bank of the West Premier Checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. The standard interest rate plus the Relationship Premium interest rate equals the Relationship Interest Rate; the standard interest rate plus the Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The Relationship Premium and Premier Relationship Premium interest rates are set at the Bank’s discretion and are subject to change without notice. Only one Choice Money Market Savings account can be linked to a checking account. There may not be a Relationship Premium or Premier Relationship Premium associated with every balance tier.

2To automatically qualify for a Relationship Interest Rate, you must have an open Bank of the West consumer checking account and a Choice Money Market Savings account with the same ownership; to automatically qualify for a Premier Relationship Interest Rate, you must have an open Signature Checking account or Bank of the West Premier Checking account and a Choice Money Market Savings account with the same ownership. The Relationship Interest Rate or Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account, and is calculated as follows: On the last day of your statement cycle, your Choice Money Market Savings account’s end-of-day collected balance tier will be determined. If the Bank is paying a Relationship or Premier Relationship Premium for that balance tier, that Premium will be added to the standard interest rate for the balance tier into which your daily end-of-day balance falls each day during the next full statement cycle. The Relationship or Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Relationship or Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. The Relationship Interest Rate or Premier Relationship Interest Rate is compounded daily and paid to your Choice Money Market Savings account on the last day of the statement cycle. If you do not qualify for a Relationship or Premier Relationship Premium as of the last day of any statement cycle, your account will earn only the standard interest rate during the next full statement cycle.

3Federal regulation requires that all money market and savings accounts be strictly limited to a total of no more than six (6) transactions by check, draft, debit card or similar order payable to third parties and/or pre-authorized, automatic or telephone transfers from the account either to a third party or to another account (includes Online Banking transfers). This applies per statement cycle for money market accounts or per calendar month for savings accounts. For each transaction in excess of six (6) an Excess Withdrawal Fee will be charged regardless of the account balance, other fees or type of withdrawal. Please refer to the Schedule of Fees and Charges for your state in our Disclosure link below for details.

4If there are not sufficient funds in your checking account to complete a scheduled Auto-Save transfer to your savings or money market account, no transfer will occur, even if you have available overdraft protection through Savings Overdraft Protection and/or Gold Line. This means that if your savings or money market account monthly service charge would have been waived as a result of an eligible Auto-Save or recurring transfer from your checking account, you may incur a monthly service charge for that statement cycle.

*This account earns interest at a variable rate. Rates differ based on balance and checking relationship. 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.