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Legal Information and Disclosures:

Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹Monthly Service Charge: Waive the $10 Monthly Service Charge by making at least one (1) deposit of any amount to the account during the statement cycle, such as direct deposit, mobile deposit, ATM deposit, Merchant Services funds settlement, or in-branch deposit (does not include fund transfers between Bank of the West accounts or any credit from Bank of the West).

²Deposited or supplied coin and currency includes withdrawals, exchanges, and deposits less cash received. An Excess Cash Fee may apply when the Included Coin and Currency Limits are exceeded.

³Transactions include all withdrawals, paid checks, transfers, debit card transactions, deposits, and each deposited item; excludes fees. An Excess Transaction Fee may apply for each transaction when the Included Transaction Limits are exceeded.

⁴Major U.S. bank is defined as a bank in the U.S. with excess of $90B in assets. Read more about our restrictive fossil fuel policies here.

⁵ Use of your Mobile device requires enrollment in Online Banking and download of our Mobile App. Mobile Banking requires an internet-ready phone and is supported on Apple iPhone devices with iOS 9 and greater and on Android mobile devices with OS 5 and greater. Mobile deposits made before 7 pm PT will be processed the same business day and made available within two business days. Longer delays may apply based on the type of items deposited, amount of the deposit, account history or if you have recently opened your account with us. Wireless carriers may charge fees for text transmissions or data usage. Message frequency depends on account settings. Text HELP to BKWST for help. Availability of Mobile Banking may be affected by your mobile device's coverage area.

⁶ Reward Points - Points have no value except when claimed by the cardholder for redeeming a reward. Two (2) Points are earned for every $1 in qualifying net purchases on the Business Rewards Card. There is no limit to the Points and the Points have no expiration date as long as the Account remains open and in good standing. Points are awarded only on net purchases (purchases minus any returns or adjustments). Balance transfers, cash advances, convenience checks, interest charges and any kind of fees charged to the Account do not count as purchases. Qualifying purchases can be made by any and all cardholders on a single Account. Values of awards, Points required for an award, and awards offered may vary from time to time without notice. If your Account is closed for any reason, you will no longer be able to accumulate Points and all Points which have accrued with that Account will be eliminated. Accounts must be in good standing to claim and redeem Points. Points that have been accrued will be reflected on the cardholder's monthly credit card statement and online at https://www.bankofthewest.com and cannot be transferred, assigned, bought or sold by the cardholder. All awards are subject to availability and may be withdrawn, changed or replaced at any time. The Bank of the West Rewards Program is subject to the current Program Rules that will be sent to you after your account is opened or can be viewed online at https://www.bankofthewest.com. For additional credit card pricing information, see the Pricing and Terms for Business Credit Card(s) information provided with your application. The Bank of the West Rewards Program is subject to current Program Rules https://www.bankofthewest.com.

⁷Merchant Services are: (i) provided by Elavon®, a separate legal entity which Bank of the West does not own or control; and (ii) subject to credit approval and to terms, conditions and fees established by Elavon. Bank of the West makes no representations or warranties regarding Elavon's services and does not accept any responsibility for those services or for any other acts or omissions of Elavon. Bank of the West may be compensated by Elavon for approved accounts, among other things.

⁸Applies only to transactions that are electronically deposited into your Bank of the West account. Transaction files received by 7:00 pm PT will be funded to a Bank of the West business checking account the same business day. Files received after 7:00 pm PT will be funded the next business day. Our business days are Monday through Friday excluding federal holidays. Transaction limits and restrictions may apply. Funding on weekends and holidays via Elavon's True Daily Funding service subject to a monthly fee. Ask for details.

⁹Payments accepted in the U.S. only. Elavon monthly service charge may apply for processing transactions via mobile payment apps. Web access is needed to download and use mobile app; your mobile carrier may charge access fees depending on your individual plan; check with your carrier for specific fees and charges that may apply. Some features may require additional online setup. Any fees for optional transactions or services will be identified during registration for these services and during their use. Rates and fees may change without notice. Other conditions and fees may apply.