⁵A Premier Relationship Premium (available to 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 Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The 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 Premier Relationship Premium associated with every balance tier.

⁶To automatically qualify for a Premier Relationship Interest Rate, you must have an open Bank of the West Premier Checking account and one Choice Money Market Savings account with the same ownership. The 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 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 Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. The 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 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.