Welcome to Bank of the West!

Welcome to Bank of the West!

Please keep these important documents with your Deposit Account Disclosure and Safe Deposit Box Rental Agreement Terms and Conditions for Personal Accounts booklet and retain them for future reference.

Schedule of Fees and Charges for Personal Deposit Accounts* Consumer Checking Consumer Savings and Money Market Accounts Certificate of Deposit and Individual Retirement Accounts ATM and Debit Card Transaction Types and Limitations Addendum to the Deposit Account Disclosure (Effective September 20, 2022)

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*Fees disclosed in this Schedule or in any related Account addenda represent the Bank's stated fees for the services indicated. The Bank does not represent that such fees disclosed are the lowest fees obtainable for the desired services, or lower than fees for the same or similar services obtained elsewhere. You may receive the same or similar services elsewhere for lower or no fees.

Form # 030-18685 (Rev 09/20/2022) AZ,CA,CO,IA,ID,KS,MO,ND,NE,N M,NV,OK,OR,SD,UT,WA,WI,WY

? 2022 Bank of the West. Member FDIC

Schedule of Fees and Charges for Personal Deposit Accounts

(Arizona, California, Colorado, Idaho, Iowa, Kansas, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota*, Utah, Washington, Wisconsin, Wyoming Branches)

Effective September 20, 2022

This Schedule applies to personal Accounts opened in the states referenced abov e. This Schedule, along w ith the Deposit Account Disclosure and Safe Deposit Box Rental Agreement Terms and Conditions for Personal Accounts, current rate sheet, y our current signature card, and any other addenda that may be prov ided to y ou at Account opening or from time to time thereafter form the Agreement betw een y ou and Bank of the West ("Bank") as to y our checking, money market, sav ings, certificates of deposit, and retirement Accounts (collectiv ely , the "Agreement"). The Bank reserv es the right to add to, delete from, discontinue, or otherw ise amend any product, serv ice, fee or charge, package or program offering at any time w ith such notice as is required by law . To the ex tent that any of the terms or prov isions of this Schedule of Fees and Charges conflict w ith those contained in any other document in the Agreement, the terms and prov isions contained herein shall control. Capitalized terms shall hav e the same meaning as in the Agreement, unless otherw ise defined herein. We regret that this document is not av ailable in languages other than English. Please make sure that y ou understand all terms and conditions applicable to y our deposit Account(s) and serv ices.

ATM Cards and Debit Cards ATM Card/Debit Card Purchases

No charge

ATM Statements

$2 each

Foreign Currency Transactions

MasterCard? Fee

1% of transaction amount

Bank of the West Fee

2% of transaction amount

Shared ATM Netw ork Transactions** Balance Inquiry

Transfer Withdraw al

Debit Card Cash Adv ance Withdraw al at a financial institution that display s the MasterCard? Logo

ATM Card or Debit Card Reissuance (Lost or Stolen) Ex pedited Domestic Deliv ery of ATM/Debit Card

Ex pedited International Deliv ery of ATM/Debit Card Debit Rew ards Annual Membership

IRA IRA Annual Fee

$3 per inquiry $3 per transfer $3 per w ithdraw al

$3 per w ithdraw al

$5 per card $25 per card $65 per card $15 per y ear

$12 per plan

IRA Transfer or Closing Fee

$25 per plan

Night Depository Annual Fee

$20 per y ear

Key Deposit (non-refundable)

$5 per key

Online Banking

Ex ternal Transfers

Standard (3 business day s) Ex ternal Transfer ? Web Fee

$3 each

Nex t Business Day Ex ternal Transfer ? Web Fee

$10 each

Zelle? Pay ments

No charge

Online Bill Pay

Same Day Online Bill Pay ment ? Transaction Fee

$10.95 each

Ov ernight Check ? Transaction Fee

$17.50 each

* Doing business in South Dakota as Bank of the West California

** Each Shared ATM Netw ork transaction fee disclosed on this Schedule is a separate fee charged for ev ery ATM function show n.

Overdraft Items Ov erdraft Fee

$35 each Item

$5 Ov erdraft Buffer: No Ov erdraft Fees w ill be assessed on y our checking or money market Account if at the end of the Business Day y our Account's Av ailable Balance is ov erdraw n by $5 or less after all transactions hav e posted.

Daily Max imum: No more than fiv e (5) Ov erdraft Fees w ill be applied on any one (1) Business Day per checking or money market Account.

Ov erdraft Fee Eraser: Upon request, w e w ill refund one (1) Ov erdraft Fee or Returned Item Fee in a rolling 12 month period.

Overdraft Programs Sav ings Ov erdraft Protection Transfer Fee

$12 each day that a transfer occurs

Gold Line (credit approv al required)

Refer to the Gold Line Account Agreement and Disclosure Statement

Safe Deposit Box Set-Up Fee

$20 per box

Annual Fee Safe Deposit Box Forced Opening

Varies Varies based on cost to Bank

Statem ents Check Safekeeping

No charge

Image Statement (front of checks only )

$2 per statement cy cle. Money Market Accounts ? no charge

Image Statement (front and backs of checks) Copy of a Statement Ongoing Duplicate Statements Snapshot Statement Special Schedule Statements (off-cy cle) Paper Statement Fee

$3 per statement cy cle $5 each $5 each $2 each $5 each $3/month per checking Account

Charged each monthly statement cy cle w e prov ide y ou with a paper statement (fee also applies to each checking Account subject to the fee in a combined statement). Fee w aiv ed for Bank of the West Premier Checking OR if any account ow ner is age 65 y ears or older OR account ow nership is ineligible for Online Banking access OR Account has Alternativ e Statement Option of Audio, Braille, or Large Font.

Form # 030-18685 (Rev 09/20/2022) AZ,CA,CO,IA,ID,KS,MO,ND,NE,N M,NV,OK,OR,SD,UT,WA,WI,WY

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? 2022 Bank of the West. Member FDIC

Other Charges Account Research

Research Time Item Copies Cashier's Check Check Cashing Fee (Bank of the West "on us" check in ex cess of $50)

$30/hour ($30 minimum) $1 each $10 each

$9.50 per check

Check Cashing Fee is w aiv ed for (1) deposit Account customers; (2) minors; (3) Bank of the West cashier's checks; and (4) Bank of the West checks draw n on a deposit Account in the name of any

gov ernment agency .

Check Printing Sightline Checks for the v isually impaired

Collection Fee Domestic Foreign

Copies of Deposit Slips or Paid Checks

Standard Requests or Telephone Banking Requests

Instant requests Copy of draft for POS Transaction Counter Check Fee Deposited Item Returned Re-Deposited Item Ex cess Withdraw al Fee (sav ings and money market Accounts) Foreign Currency

Ex change Standard Shipping Fee Priority Shipping Fee Foreign Drafts Foreign Draft Stop Pay ment Foreign Items Deposited Collection Cash Letter Inactiv e Account Letter Legal Process (ex cluding subpoena) Letter Prov iding Account Information Medallion Guarantee (Securities) Money Order

Reconcile Accounts

Stop Pay ment Fee (check, third party transfer, electronic) Verification of Deposit Written Deposit Confirmation Fee

Varies w ith sty le No charge

$20 per Item See below

No charge for the first 2 copies per statement cy cle, then $2 each $2 each $3 each $1 per check, minimum 4 checks $15 each $4 each $0 each

$5 per transaction $12 per transaction $15 per transaction $45 each $30 each

$50 per Item $5 per Item $2 each $150 per process $10 each $10 each $5 each $10 each hour (or fraction thereof; $10 minimum) $35 each order $25 each $5 each

Wires Incoming Wire (Domestic or International) Outgoing Domestic

Wire Direct Wire Repetitiv e Transfer?Phone Initiation Outgoing International Wire US $ Direct Wire Repetitiv e Transfer? Phone Initiation

Other Wire Serv ices

Tax Pay ments ? Branch

Draw dow n (Rev erse Wire) Incoming Wire Notification

Telephone Notification Mail Adv ice Manual Fax Tracer Requests

Domestic

International Miscellaneous

Outgoing Domestic ? Wire Repair Outgoing International ? Wire Repair Receiv ing Bank Repair Charge Returned Incoming Wire (Customer Request) Returned Outgoing Wire Transfer Wire Transfer Adjustment Standing Orders (Automatically Recurring)

Domestic Wire International Wire

Book Transfer Wire

Maintenance

Telephone Inquiry (Phone or Branch) Pass Through (from Correspondents)

$15 each

$35 each $17 each

$50 each $20 each

$30 each $35 each

$15 each $4 each $8 each

$20 each $35 each

$10 each $10 each Varies $30 each $12 each $30 each

$10 each $15 each $5 each $5 each $15 each $30 each

Form # 030-18685 (Rev 09/20/2022) AZ,CA,CO,IA,ID,KS,MO,ND,NE,N M,NV,OK,OR,SD,UT,WA,WI,WY

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? 2022 Bank of the West. Member FDIC

Consumer Checking

Type of Account1 Minimum Amount to Open Pays Interest Monthly Service Charge

Ways to Waive Monthly Service Charge

Paper Statement Fee Other Charges

Any Deposit Checking

Any Amount No

$10 (w aiv ed for the first tw o (2) statement cy cles for new Accounts)

Make at least one (1) deposit of any amount to the Account during the statement cy cle, such as direct deposit, mobile deposit, ATM deposit, or in-branch deposit (does not include fund transfers betw een Bank of the West Accounts or any credits from Bank of the West) OR Any ow ner on the Account under age 25

$3/month per Account, charged each monthly statement cy cle w e prov ide you w ith a paper statement (fee also applies to each Account subject to the fee in a combined statement). Fee w aiv ed ? if any account ow ner is age 65 y ears or older OR account ow nership ineligible for Online Banking access OR account has Alternativ e Statement Option of Audio, Braille or Large Font. See pages 1 and 2 of this document for other fees that may apply .

1 If you do not qualify for this checking product, you may be offered an alternate checking product. Form # 030-18685 (Rev 09/20/2022) AZ,CA,CO,IA,ID,KS,MO,ND,NE,N M,NV,OK,OR,SD,UT,WA,WI,WY

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? 2022 Bank of the West. Member FDIC

Consumer Savings and MoneyMarket Accounts

Type of Account

Classic Savings

Minimum Amount to Open

$25

Pays Interest

Yes

Page 3 of 9

Choice Money Market Savings $100 Yes

Money Market Premier $10,000 Yes

Assurance Money Market $10,000 Yes

Monthly Service Charge

Ways to Waive Monthly Service Charge

Transaction Limits Other Charges

$5

$15

$15

$15

Meet at least one of the follow ing each month: ? Make a single transfer of $25 or more from

Meet at least one of the follow ing each statement cy cle: ? Make a single transfer of $75 or more from a

a Bank of the West consumer checking Account through the Auto-Sav e program1

OR ? Maintain an av erage monthly balance of at least $300 in this Account

Bank of the West consumer checking Account through the Auto-Sav e program1

OR ? Maintain an av erage monthly balance of at least $5,000 in this Account

Maintain a $10,000 av erage monthly balance in this account each statement cy cle.

Maintain a $10,000 av erage monthly balance in this account each statement cy cle.

OR ? Primary Account ow ner is age 18 or y ounger

OR ? Maintain a Bank of the West Premier Checking Account. Refer to the Bank of the West Premier Program disclosure for details.

Money market and sav ings Accounts are limited to a total of no more than nine (9) transactions by check, draft, debit card, or similar order pay able to third parties and/or pre-

authorized, automatic or telephone transfers from the Account either to a third party or to a another Account (includes Online Banking transfers) per statement period, for money market Accounts, or calendar month, for sav ings Accounts. There is no limit to the number of w ithdraw als paid directly to y ou by mail, messenger, ATM, or in person.

See pages 1 and 2 of this document for other fees that may apply .

Certificate of Deposit and Individual Retirement Accounts2

Type of Account Minimum Amount to Open Pays Interest

Certificates of Deposit (CDs) Flex ible Term CD (7 day s to 60 months): $1,000

Premium CD (91 day s to 60 months): $2,500

Yes

Individual Retirement Accounts (IRA CDs) Flex ible IRA CD (12 months to 60 months): $100

Premium CD (91 day s to 24 months): $100 IRA Add-On CD3 (12 months): $100 Yes

Early Withdrawal Penalty Other Charges

See Deposit Account Disclosure booklet for details.

See Deposit Account Disclosure booklet for details.

See pages 1 and 2 of this document for other fees that may apply .

1 If there are not sufficient funds in your checking Account to complete a scheduled transfer, such as an Auto-Save, to your savings or money market Account, no transfer will occur, even if you have available overdraft protection for your checking Account 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.

2 For CDs, the interest rate is fixed for the entire term

3 Additional deposits into an IRA Add-On CD will earn the interest rate that was in effect when the Account was opened or renewed. Additional deposits of $100 or more can be added at any time, subject to contribution limits.

Form # 030-18685 (Rev 09/20/2022) AZ,CA,CO,IA,ID,KS,MO,ND,NE,N M,NV,OK,OR,SD,UT,WA,WI,WY

Page 4 of 6

? 2022 Bank of the West. Member FDIC

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