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Account Guide - Rabobank America

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Account Guide - Rabobank America Powered By Docstoc
					Effective June 27, 2011


A Guide to Your Business Deposit Accounts and Services
2




About Rabobank
One of the World’s Safest Banks
As an account holder, you are part of a community       Table of Contents
bank with a strong foundation. Rabobank, N.A. is part
of the Rabobank Group, which is rated one of the
                                                         Serving You Better               1
world’s safest banks by Global Finance magazine.
In addition, Standard & Poor’s and Moody’s Investors     Customer Service                 2
Service have both given the Rabobank Group their
highest rating: AAA/Aaa.                                 Your Business Deposit Accounts   3

For more than 110 years, the Rabobank name has           Business Checking Accounts       4
stood for great community banking and excellent
customer service. Our lending decisions are made         Business Savings Accounts        5
locally and the money you deposit at Rabobank is
invested back into the community through loans to        Money Market Accounts &
local businesses and individuals like you.               Certificates of Deposit (CDs)    6

                                                         Your ATM & Debit Cards           7

                                                         Touchtone Banking                8

                                                         Business Online Banking          10

                                                         Questions and Answers            11

                                                         List of Branches                 13
                                                                                                                          1




Serving You Better
We are pleased to announce that Rabobank will be            Please be assured that all of your account numbers
upgrading the computer system for the former                will stay the same. You will continue to use the same
Pacific State Bank after the close of business on June      checks you are currently using.
24, 2011. This upgrade will allow us to serve you
faster and more efficiently and will allow you to do        Other Great Rabobank Products and Services
your banking easily online and at any of our                Along with our deposit products, we offer a full range
119 Rabobank branches in California.                        of other great banking products and services:
                                                               • Small business loans and lines of credit
Product Enhancements                                           • SBA and other government guaranteed loans
Along with the system upgrade in June, we will                 • Commercial lines of credit
introduce a new lineup of deposit products designed to         • Equipment loans and leasing
assist you with all your banking needs. The new lineup is      • Agribusiness and ag production loans
outlined in this brochure. After careful consideration of      • VISA® credit cards
your account balances and activity, your accounts have         • Merchant bankcard services
been moved into ones with features and benefits that           • Payroll services
appear to best meet your needs.                                • Treasury and cash management services

More Benefits                                               Other Important Information
Please review the following pages to see the new            Along with account information, please look at the
name of your account(s) and the features associated         business debit card, business online banking, and
with it. We are adding these benefits to save you time      touchtone banking pages for information about
and money:                                                  updates to these services. We have also included
                                                            a Questions and Answers section with important
  • New ways to waive the monthly maintenance fee           information about other services.
    on checking accounts.
  • More rate tiers on interest-bearing accounts.           Note: Please review the enclosed Understanding Your Deposit
  • 119 retail branches plus 16 financial service           Account Agreement and Disclosures brochure for complete
    centers to serve you.                                   information about your accounts.
2




Call us if you need a bit of help.

Customer Service
We understand that even with the best of written         We are offering the following extended
explanations, sometimes talking with a live person       Customer Care Center hours June 27 through July 2.
can make a world of difference.                                 Monday – Friday, 7 a.m. – 7 p.m.
                                                                Saturday, 8 a.m. – 4 p.m.
If you have questions about your account or any of the
information in this brochure, please call our Customer
                                                         Branch Support
Care Center toll free at:
                                                         Our branch employees are also happy to answer your
       (888) 945-6600
                                                         questions and help you with your account. Simply
       Monday – Friday, 8 a.m. – 6 p.m.
                                                         call or visit your nearest Rabobank branch during
       Saturday, 9 a.m. – 1 p.m.
                                                         banking hours.
                                                         3




Your Deposit Accounts
After careful consideration of your account balances
and activity, your accounts have been moved into
ones with features and benefits that appear to best
meet your needs. Please refer to the charts on the
following pages. If you would prefer a different
account than the one selected for you, please call or
stop by your favorite Rabobank Branch.

Important Information about Upcoming
Account Statements
In June when your account is transferred to the new
computer system, you will receive a final statement
for your existing deposit account that will reflect
activity and your balance through the close of
business on Friday, June 24, 2011. This statement will
include interest paid.

The next statement will be issued on your regularly
scheduled statement date and will reflect activity
beginning June 25, 2011. This statement will be
generated from our new computer system and will
feature a new look. Applicable monthly maintenance
fees will appear on this first statement.
4
Designed to fit your needs

Business Checking Accounts
 If you have:                                Your new account                   About your new account
                                             will be:
 Business Checking                          Sole Proprietor Checking            Business Checking has most of the same features you’ve always had, plus some
 [Sole Proprietors only]                                                        new ones:
                                                                                • Your monthly maintenance fee will increase to $7.50, which can be waived with:
                                                                                   - an average collected balance of $2,500.
                                                                                   - an average combined balance of $5,000*.
                                                                                • Your transaction limitation per statement is 30 debits/credits combined**
                                                                                  (ACH credits do not count toward this total). The fee for excess transactions is
                                                                                  $0.30 per item.

 Business Checking                          Non-Profit Checking                 Non-Profit Checking has most of the same features you’ve always had, plus some
 [Non-Profit 501(c)(3) Agencies]                                                new ones:
                                                                                • There is no monthly maintenance fee.
                                                                                • Your transaction limitation per statement is 200 debits/credits combined**
                                                                                  (ACH credits do not count toward this total). The fee for excess transactions is
                                                                                  $0.30 per item.

 Business Checking                          Business Checking                   Business Checking has most of the same features you’ve always had, plus some
                                                                                new ones:
                                                                                • Your monthly maintenance fee will increase to $10, which can be waived with:
                                                                                   - an average collected balance of $2,500.
                                                                                   - an average combined balance of $5,000*.
                                                                                • Your transaction limitation per statement is 100 debits/credits combined**
                                                                                  (ACH credits do not count toward this total). The fee for excess transactions is
                                                                                  $0.30 per item.

 Business Interest Checking                 Non-Profit Interest Checking        Non-Profit Interest Checking has the same features you’ve always had, plus
 [Non-Profit 501(c)(3) Agencies]                                                some new ones:
                                                                                • There is no monthly maintenance fee.
                                                                                • Your account will earn interest on all balances, with the following tiers:
                                                                                    - Less than $2,500         - $10,000 to $24,999           - $50,000 to $99,999
                                                                                    - $2,500 to $9,999         - $25,000 to $49,999           - $100,000 or more
                                                                                • Your transaction limitation per statement is 200 debits/credits combined **
                                                                                  (ACH credits do not count toward this total). The fee for excess transactions is
                                                                                  $0.30 per item.

 Interest Business Checking                 Business Interest Checking          Business Interest Checking has the same features you’ve always had, plus some
                                                                                new ones:
                                                                                • Your monthly maintenance fee will increase to $15, which can be waived with:
                                                                                   - an average collected balance of $5,000
                                                                                   - an average combined balance of $10,000.*
                                                                                • Your account will earn interest on all balances, with the same tiers as Non-Profit
                                                                                  Interest Checking above.
                                                                                • Your transaction limitation per statement is 200 debits/credits combined**
                                                                                  (ACH credits do not count toward this total). The fee for excess transactions is
                                                                                  $0.30 per item

 Business Analysis Checking                 Commercial Checking                 A checking account for businesses with a high volume of transactions each
                                            (Analyzed)                          month. The monthly maintenance fee of $15 and the cost of other services
                                                                                can be offset by account balances.

 Attorney/Client Trust Account              Attorney/Client Trust               A trust account for attorney client funds. Interest is paid on all balances.
 (IOLTA Checking)                           Account



Please refer to page 19-22 in the enclosed Understanding Your Deposit Account Agreement and Disclosures brochure for more information about your
checking account. Please refer to page 26 under “Schedule of Other Fees and Charges” for other fees that may apply.
*Upon your request, we will link your other Rabobank business savings, money market, and/or certificates of deposit to your checking account and use their balances
to calculate the average combined balance.
**If you routinely exceed this transaction limit, analyzed commercial checking may save you money. Please ask us for more details.
                                                                                                                                                       5



Meeting your needs for the future today.

Business Savings Accounts
 If you have:                          Your new account               About your new account*
                                       will be:
 Business Savings                     Business Savings                Business Savings has most of the same features you’ve always had, plus
                                                                      some new ones:
                                                                      • Your maintenance fee will decrease to $12 per quarter (from the current
                                                                        $5 per month).
                                                                      • Your maintenance fee can now be waived with an average collected
                                                                        balance of $500 (instead of the current $500 minimum ledger balance).
                                                                      • Six transactions (withdrawals, checks, debits, transfers) are allowed per
                                                                        month. An excess transaction fee of $3 per item applies.
                                                                      • All balances earn interest.
                                                                      • You can link this account to your Rabobank business checking account for
                                                                        overdraft protection.

 Business Super Saver                  Business Investment Savings    A deluxe savings account for businesses that maintain larger balances and want
                                                                      higher interest rates. There is no monthly maintenance fee.
                                                                      Six transactions (withdrawals, checks, debits, transfers) are allowed per
                                                                      statement cycle. Instead of being charged $2 per item for excess transactions,
                                                                      you will be charged a flat rate of $20 per statement for any number of excess
                                                                      transactions.
                                                                      Daily collected balances of $2,500 and over will earn interest,
                                                                      with the following tiers:
                                                                                 - $2,500 to $9,999            - $50,000 to $99,999
                                                                                 - $10,000 to $24,999          - $100,000 or more
                                                                                 - $25,000 to $49,999

Interest begins to accrue immediately. Please refer to page 24 in the enclosed Understanding Your Deposit Account Agreement and Disclosures
brochure for more information about your savings account. Please refer to page 26 under “Schedule of Other Fees and Charges” for other fees that
may apply.
*Rates and terms subject to change.
6



Sit back and watch your money grow.

Business Money Market Accounts & CDs
 If you have:                           Your new account               About your new account
                                        will be:
    Business Money Market              Non-Profit Money Market         A money market account for nonprofit 501 (c)(3) organizations with a monthly
    [Non-Profit 501 (c)(3) Agencies]                                   maintenance fee of $12, which is waived when your account has an average
                                                                       collected balance of $3,000 during the month.
                                                                       Six transactions (withdrawals, checks, debits, transfers) are allowed per
                                                                       statement cycle. You will be charged a flat rate of $20 per statement for any
                                                                       number of excess transactions.
                                                                       Your account will earn interest on all balances, with the following tiers:
                                                                         - Less than $10,000                      - $500,000 to $999,999
                                                                         - $10,000 to $24,999                     - $1,000,000 to $2,499,999
                                                                         - $25,000 to $49,999                     - $2,500,000 to $4,999,999
                                                                         - $50,000 to $99,999                     - $5,000,000 or more
                                                                         - $100,000 to $499,999

 Business Money Market                 Business Money Market           A money market account for businesses with a monthly maintenance fee of
                                                                       $12, which is waived when your account has an average collected balance of
                                                                       $3,000 for the statement cycle.
                                                                       Six transactions (withdrawals, checks, debits, transfers) are allowed per
                                                                       statement cycle. Instead of being charged $10 per item for excess transactions,
                                                                       you will be charged a flat rate of $20 per statement cycle for any number of
                                                                       excess transactions.
                                                                       Your account will earn interest, with the same tiers as Non-Profit
                                                                       Money Market above

    Business CD                        Business CD                     The current terms, interest rate calculation, maturity date and early
                                                                       withdrawal penalty on your certificate of deposit (CD) will remain the
                                                                       same until maturity.
                                                                       The early withdrawal penalties for certificates of deposit will change at
                                                                       your next renewal date as follows:
                                                                       If your account has an original maturity equal to 29 days or less:
                                                                       The fee we may impose will equal seven days interest on the amount
                                                                       withdrawn subject to penalty.
                                                                       If your account has an original maturity of 30 days to three months:
                                                                       The fee we may impose will equal 30 days interest on the amount
                                                                       withdrawn subject to penalty.
                                                                       If your account has an original maturity of three months to one year:
                                                                       The fee we may impose will equal three months interest on the amount
                                                                       withdrawn subject to penalty.
                                                                       If your account has an original maturity of more than one year:
                                                                       The fee we may impose will equal six months interest on the amount
                                                                       withdrawn subject to penalty.
                                                                       There is a one day delay for interest payments to post to Rabobank
                                                                       checking or savings accounts.

Please refer to pages 20-21 and 24-25 in the enclosed Understanding Your Deposit Account Agreement and Disclosures brochure for more informa-
tion about your money market account and/or Certificate of Deposit. Please refer to page 26 under “Schedule of Other Fees and Charges” for other
fees that may apply.
                                                                    7




Your ATM and Debit Cards
About Your ATM and Debit Cards
   • Your ATM and MasterCard® debit cards will be
     reissued as Rabobank VISA® debit cards in early
     June. You will receive a mailer with your new PIN
     a few days after receiving your card.
   • Please continue to use your Pacific State Bank
     ATM and debit cards until they are deactivated at
     approximately 1 a.m. on Friday, June 24, 2011
   • You may activate your new Rabobank card by
     using the card and PIN at any ATM or merchant
     location, beginning June 24.
   • After your card is activated, you may change your
     PIN at any Rabobank ATM or by calling toll free
     (866) 392-9952.
   • If you have recurring payments withdrawn from
     your account based on your Pacific State Bank
     debit card number, please notify vendors of your
     new VISA debit card number.
   • On June 24-26, account balances will not be
     printed on ATM receipts and you will not be able
     to view your balance at the ATM.
   • Any transactions you make with your new card
     between June 24 and 26 will be posted to your
     account on June 27.
Please note: Beginning June 24, 2011, when you use an ATM not
owned by Rabobank, you will be charged a $2 fee by Rabobank and
may be charged a fee by the ATM operator or any network used (and
you may be charged a fee for a balance inquiry even if you do not
complete a fund transfer).
8




24-Hour Account Information (800) 942-6222

Touchtone Banking
When you’re on the go, accessing your account information       Information About Your New InfoLine PIN
from any touchtone phone is fast and easy. This June, you’ll    On June 27, your default InfoLine personal identification
access your accounts from a new toll-free number.               number (PIN) will be set to the last four digits of your business
                                                                tax ID number. You will be prompted to change the PIN the
Telewave at (877) 487-2265 will be available until 8 a.m.
                                                                first time you use InfoLine.
Monday, June 27, 2011. You will not be able to transfer funds
between accounts from Friday, June 24 at 6 p.m. through         The system will allow you to reenter your Telewave PIN as
Monday, June 27 at 8 a.m. while we complete our systems         your new PIN if it meets the following security criteria. Your
upgrade.                                                        PIN cannot be: the last four digits of your business tax ID
                                                                number or Social Security number, repeating numbers (e.g.
Beginning Monday, June 27 at 8 a.m., you should access
                                                                1111) or sequential numbers (e.g. 1234).
your account information through InfoLine at:
                                                                Note: One account owner or account signer will need to
                 (800) 942-6222
                                                                access InfoLine with the last four digits of the business Tax
InfoLine is an account information system similar to            ID Number (TIN). Only one InfoLine PIN may be set up per
Telewave. It is available to you 24 hours a day, 7 days a       business entity. This InfoLine PIN can be used to access all
week. With InfoLine, you’ll enjoy additional features such      accounts. If you are a sole proprietor and use your Social
as the ability to inquire on multiple accounts without          Security number as your business tax ID number, please use
reentering your PIN, search for a transaction by date or        your Social Security number.
amount, place stop payments anytime day or night,
and more.                                                       Customer Support
                                                                InfoLine will be available 24 hours a day, 7 days a week.
See the chart on the next page for the new menu choices.        Customer service representatives are available by pressing “0”
    • The account current balance includes transactions         from the InfoLine option menu during the following hours:
      that are currently pending. The amount of overdraft               Monday – Friday, 8 a.m. – 6 p.m.
      protection available will be noted separately.                    Saturday, 9 a.m. – 1 p.m.
    • Account activity includes both pending (transactions
      currently being processed) and posted transactions.       We are offering the following extended hours June 27
                                                                through July 2.
    • Information about your last deposit can be obtained
      through the Account Activity option if it is made                 Monday – Friday, 7 a.m. – 7 p.m.
      June 27 or later.                                                 Saturday, 8 a.m. – 4 p.m.

    • For account activity prior to June 27, press “0” for
      a customer service representative or sign up for
      eStatements to view your previous account
      activity online.
                                                                                                                                     9




InfoLine Touchtone Banking (800) 942-6222
Press:                           4 Inquire on other accounts     If you enter a savings account   If you enter a line of credit
                                                                 number:                          account number:
1 Account Information             1 Check balances on all your
                                     accounts                    1 Current balance                1 Current balance
You will be asked to enter an
account number                    2 Enter an account number      2 Account activity               2 Payment and paydown
If you enter a checking or        3 Choose an account from a     3 Transfer funds                 3 Advance
money market account                 list                        4 Inquire on other accounts      4 Interest information
number:                           4 Transfer funds               5 More options                   5 Inquire on other accounts
1 Current balance                 5 Overdraft protection line
2 Account Activity               5 More options                  If you enter a certificate       2 Report Lost/Stolen ATM,
 1 Repeat activity                1 Interest information         of deposit or IRA account          Debit or Credit Card
 2 Next six transactions                                         number:
                                  2 Change InfoLine PIN                                           3 Online Banking
 3 Search for transaction                                        1 Current balance                 (During regular banking hours)
                                  3 Receive fax statement
  1 Search by check number                                       2 Interest information
                                   1 Same day fax
  2 Search by date                 2 Schedule a fax
                                                                 3 Inquire on other accounts      Timesaving Options
  3 Search by amount               3 Delete a fax                                                 8 Previous Menu
  4 Search by transaction type    4 Request stop payment
                                                                 If you enter a loan account      9 Repeat Current Menu
                                                                 number:
3 Transfer funds                  5 Reorder checks                                                0 Customer Representative
                                                                 1 Current balance
 1 Transfer funds to this                                                                         (Monday-Friday, 8 a.m. – 6 p.m.,
    account                                                      2 Payment                        Saturday, 9 a.m. – 1p.m.)
 2 Transfer funds from this                                      3 Interest information
    account                                                      4 Inquire on other accounts
10




Business Online Banking
As part of our systems upgrade, your online accounts                                            Preview of Rabo Online for Business:
will soon be moving from PSB Connect to Rabo                                                    We are working to ensure that our business customers will have
Online for Business at www.rabobankamerica.com.                                                 early access to Rabo Online for Business. This will allow you
  Through Friday, June 24, at 6 p.m., continue to access                                        sufficient time to become familiar with the new online services
  PSB Connect as usual from www.pacificstatebank.com.                                           and to review your information such as users, demographics,
                                                                                                permissions, and services available.
  Between Friday, June 24 at 6 p.m. and Monday, June 27
  at 8 a.m. you will not be able to access PSB Connect.                                           With Rabo Online for Business, you can:
  If you regularly download your account activity to                                              View account balances
  financial accounting software (e.g. QuickBooks®), you                                           View checking, savings, loan and certificate of deposit (CD)
  should download your account history from PSB Connect                                           account balances.
  prior to Friday, June 24 at 6 p.m. as your account history will
  not be transferred to the new system. After the upgrade,                                        Access account transaction history
  you may call (800) 959-2399 (option 1) to obtain account                                        View up to 18 months account transaction history, including most
  activity that posted on Friday, June 24.                                                        pending transactions.
  Beginning Monday, June 27, 2011 at 8 a.m., log in to your
                                                                                                  Perform funds transfers
  online banking account from www.rabobankamerica.com. You                                        Choose from a variety of funds transfer options.
  will need your current access ID and password you were using                                    Receive eStatements
  as of April 29, 2011, as well as the small handheld device called a                             Access your account statements and notices online through our
  security token that we will provide to you1. Customers that require                             eStatements system.
  changes to their access ID (which is the equivalent of the login ID                             Place stop payments
  in Rabo Online for Business) will be contacted directly.
                                                                                                  Initiate stop payment requests in real time and view a
Business Online Banking Customer Support                                                          summary of all stops.
Customer service representatives are available at                                                 Send secure messages
(800) 959-2399 to help you during the following extended                                          Submit support inquiries to online banking support staff by
support hours from June 27 through July 2:
                                                                                                  secure e-mail.
Monday – Friday, 7 a.m. – 7 p.m.
Saturday, 8 a.m. – 4 p.m.                                                                         The following features may be available to you, depending
                                                                                                  on your access level to Rabo Online for Business 2
More Information to Come
                                                                                                  Pay employees by direct deposit
You’ll receive further information regarding specific online
banking feature and service changes in a separate letter from
                                                                                                  Initiate credits to employees’ accounts.
us. In addition, a representative from Rabobank will contact                                      Collect accounts receivable
you to set up a training session prior to the upgrade. If you                                     Initiate debits to authorized customers’ accounts.
use PSB Online instead of PSB Connect for your business,                                          Send electronic payments
your accounts will be migrated to Rabobank’s personal                                             Initiate vendor payments, tax payments and other disbursements.
online banking system. You’ll receive additional information                                      Submit wire transfers
regarding this in a separate letter from us. More information
about Rabo Online for Business will also be available at
                                                                                                  Process your domestic and international wire payments online.
www.pacificstatebank.com in the coming weeks .                                                    Download specialized accounting reports
                                                                                                  View cash-flow reports, wire transfer reports, system audit, and
                                                                                                  summary reports.

1
  For security purposes, you will be prompted to update your password the first time you log in. More details regarding our password requirements and additional login security will be
provided in a separate letter from us. Personal security tokens will be provided to each user with login access to business online banking. Information about security tokens, what they
are, and how they work, will be explained to you by a Rabobank representative. A step-by-step instructional security token demo is available at www.rabobankamerica.com/token.
2
  Service fees may apply.
                                                                                                                                  11




Questions & Answers
When will Rabobank upgrade the new computer system?                 Will automatic transfers between my accounts
Rabobank will upgrade the former Pacific State Bank                 work the same?
computer system after the close of business on June 24, 2011.       If the “from” account does not have sufficient funds to cover
                                                                    the transfer, the transfer will retry for 10 business days for
Will my account numbers change?                                     deposit accounts and 8 business days for loan payments.
No. Your account number will remain the same.
                                                                    What will happen to automatic transfers (e.g., insurance or
Will the bank routing number change?                                utility payments) scheduled to my accounts?
Yes. Effective June 27, 2011, the new bank routing number           Rabobank will send out notifications to these companies
will be 122238420.                                                  to ensure the bank routing number has been successfully
                                                                    changed to avoid any interruption or delays. No action is
Do I need to order new checks with the                              required on your part.
new routing number?
No. You should continue to use your current supply of               When will automatic transfers scheduled for weekends post?
checks. The new bank routing number will be printed on              If you have a scheduled transfer for June 25 or 26, it will take
your checks the next time you reorder them. If you order your       place on June 27.
checks from an outside source, please give them the new
routing number – 122238420 and bank name.                           What should I do about ACH items that I originate?
                                                                    You will need to change the routing number for any of your
Do I need to replace my endorsement stamp?                          clients who are customers of Rabobank, N.A. to 122238420.
No, you should continue to use your existing
endorsement stamp.                                                  What will happen if I have recurring incoming wire transfers?
                                                                    If you have recurring incoming wire transfers, please give the
Will there be any changes in how I use Rabobank ATMs?               sender the new routing number – 122238420.
For security purposes, you will be asked to enter your PIN
each time that you perform a transaction.                           Will I still receive images of my checks with my statement?
                                                                    Yes. You will still receive images of your checks with your
I have other business accounts that are not listed in this          statement.
mailer. Will I be notified about those accounts?
If you have another business account which is not listed in this    Will I be able to do my banking at other Rabobank branches?
mailer and you did not receive a separate letter informing you      Yes. You will be able to transact business at any of Rabobank’s
about the account, please call our Customer Care Center toll free   119 retail branches in California. See the last page in this
at (888) 945-6600.                                                  brochure for a complete branch listing.

Will automatic transfers I have set up between my                   Should I continue to mail loan payments and deposits to the
accounts continue?                                                  same address I always have?
Yes, automatic transfers that you have set up with the bank         You should mail loan payments to
or in Business Online Banking will continue as scheduled.           Rabobank, N.A., Loan Servicing Department,
However, transfers that were set up in Pacific State Bank’s         P.O. Box 1845, El Centro, CA 92244-1845
Business Online Banking will not be visible in Rabo Online for      You should mail deposits to
Business. To cancel or edit these transfers, please call (800)      Rabobank, N.A.,
959-2399.                                                           P.O. Box 6002, Arroyo Grande, CA 93421-6002.
12




Questions & Answers
Will there be any changes to my safe deposit box?
The new fee schedule for safe deposit boxes is shown below and   Helpful Definitions for Understanding
will be effective at your next renewal date:                     Your Account
                                                                                    Annual Rate
             Box Size             Annual Rate                     Collected balance is the total balance in an
               2x5                    $25                         account excluding unpaid checks and deposits
               3x5                    $30
                                                                  that have not yet been collected from the
               4x5                    $40
                                                                  drawee banks.
               5x5                    $50
                                                                  Average collected balance is calculated by
               10 x 3                 $50
                                                                  adding the collected balance in the account
               10 x 5                 $60
                                                                  each day of the period and dividing that figure
               10 x 9                $100
                                                                  by the number of days in that period.
              10 x 10                $110
                                                                  Average combined balance is calculated by
                                                                  adding the collected balance in the linked
                                                                  accounts (checking, savings, money market,
                                                                  and/or certificate of deposit) and dividing
                                                                  that figure by the number of days in that
                                                                  period. Please refer to page 4 in the enclosed
                                                                  Understanding Your Deposit Account Agreement
                                                                  and Disclosures brochure for more information
                                                                  on combined balances.
                                                                  Simple interest is used on interest-bearing
                                                                  accounts. Simple interest is computed only on
                                                                  the principal balance, without compounding.
                                                                                                                                                             13




Other Branch Locations
North State Area
Chico                    Colusa                              Marysville                        Paradise                        Yuba City
237 West East Avenue     1017 Bridge Street                  904 “B” Street                    672 Pearson Road                1600 Butte House Road
(530) 899-2347           (530) 458-5430                      (530) 741-0210                    (530) 877-0857                  (530) 751-2700
Chico                    Corning                             Oroville                          Red Bluff
900 Mangrove Avenue      950 Highway 99W                     2227 Myers Street                 500 Luther Road
(530) 891-9000           (530) 824-3966                      (530) 532-0800                    (530) 528-3060
Chico                    Magalia                             Paradise                          Redding
2041 Forest Avenue       14001 Lakeridge Circle              6653 Clark Road                   1335 Hilltop Drive
(530) 891-3494           (530) 873-6854                      (530) 877-2506                    (530) 222-2975

Central Valley and Sierra Foothills
Angels Camp              Bakersfield                         Hayward                           Modesto                         Tracy
501 South Main Street    3800 Riverlakes Drive               22320 Foothill Blvd., Suite 225   1400 Standiford Avenue          2850 Tracy Boulevard
(209) 729-1500           (661) 334-6900                      (510) 300-1730                    (209) 576-2599                  (209) 820-1400
Arnold                   Bakersfield                         Lodi                              Newman                          Tulare
1013 Blagen Road         900 Truxtun Avenue, Suite 100       501 W Kettleman Lane              1305 Main Street, Suite B       2005 E. Prosperity Avenue
(209) 729-1600           (661) 324-6260                      (209) 371-8500                    (209) 862-0111                  (559) 686-5854
Atwater                  Dinuba                              Los Banos                         Reedley                         Turlock
1861 Bellevue Road       130 E. Tulare Street                1451 W. Pacheco Blvd., Suite H    1003 I Street                   2190 W. Monte Vista Avenue
(209) 357-7438           (559) 591-1654                      (209) 827-8490                    (559) 638-8131                  (209) 632-6065
Bakersfield              Fresno                              Merced                            Roseville                       Visalia
5151 Stockdale Highway   45 River Park Place W., Suite 108   2000 M Street                     915 Highland Pointe, Ste. 190   618 W. Main Street
(661) 833-9292           (559) 447-7900                      (209) 726-3650                    (916) 797-8200                  (559) 938-7110
Bakersfield              Groveland                           Merced                            Stockton                        Visalia
3990 Gosford Road        18543 Main Street                   731 E. Yosemite Avenue            1889 W. March Lane              3443 S. Mooney Boulevard
(661) 283-7600           (209) 436-1800                      (209) 725-1375                    (209) 870-3200                  (559) 739-1063
Bakersfield              Hanford                             Modesto                           Stockton
2700 Mt. Vernon Avenue   218 N. Douty Street                 1407 I Street                     1547 E. March Lane
(661) 872-3216           (559) 587-0218                      (209) 557-8888                    (209) 870-2200

Wine Country
Napa                     Sonoma
700 Trancas Street       10 Maple Street, Suite 101
(707) 227-9300           (707) 933-3090


Monterey Area
Castroville              Hollister                           Monterey                          Salinas                         Soledad
10601 Merritt Street     491 Tres Pinos Road                 439 Alvarado Street               1285 North Davis Road           2149 H. DeLaRosa Sr. Street
(831) 633-3302           (831) 634-4844                      (831) 242-2000                    (831) 784-7700                  (831) 678-7338
Gilroy                   King City                           Pacific Grove                     Santa Cruz                      Watsonville
761 1st Street           532 Broadway Street                 599 Lighthouse Avenue             3110 Mission Drive              1915 Main Street
(408) 847-3133           (831) 385-4144                      (831) 649-5010                    (831) 477-4200                  (831) 768-2668
Gonzales                 Marina                              Salinas                           Seaside
400 Alta Street          228 Reservation Road                301 Main Street                   1658 Fremont Boulevard
(831) 675-3637           (831) 384-6900                      (831) 737-1213                    (831) 394-6900
MKT 253 (05/11)


                  14




                  Other Branch Locations
                  San Luis Obispo, Santa Barbara, and Ventura Counties
                  Arroyo Grande                Grover Beach                       Ojai                             San Luis Obispo                     Santa Ynez
                  1026 E. Grand Avenue         899 W. Grand Avenue                1207 Maricopa Highway            2276 Broad Street                   3600 Sagunto Street
                  (805) 473-7710               (805) 489-1336                     (805) 646-0111                   (805) 541-5500                      (805) 688-6424
                  Arroyo Grande (Albertsons)   Guadalupe                          Orcutt                           Santa Barbara                       Solvang
                  1132 W. Branch Street        905 Guadalupe Street               1110 E. Clark Avenue             33 E. Carrillo Street               1660 Copenhagen Drive
                  (805) 474-7755               (805) 343-5467                     (805) 937-2028                   (805) 963-5871                      (805) 688-5566
                  Atascadero                   Lompoc                             Oxnard                           Santa Barbara                       Templeton
                  6950 El Camino Real          828 North H Street                 300 E. Esplanade, Ste. 101       2222 Bath Street                    1025 Las Tablas Road
                  (805) 466-2325               (805) 735-3777                     (805) 485-8727                   (805) 682-3999                      (805) 434-0629
                  Buellton                     Lompoc                             Oxnard                           Santa Barbara                       Ventura
                  61 West Highway 246          3745 Constellation Road            155 S. A Street                  914 Carpinteria Street              300 S. Mills Road
                  (805) 688-5571               (805) 733-3577                     (805) 240-1440                   (805) 963-8928                      (805) 477-3399
                  Camarillo                    Los Osos                           Paso Robles                      Santa Barbara                       Ventura
                  470 Arneill Road             1001 Los Osos Valley Road          845 Spring Street                5340 Hollister Avenue               304 E. Main Street
                  (805) 389-6981               (805) 528-1211                     (805) 238-7200                   (805) 683-3000                      (805) 648-5082
                  Cambria                      Moorpark                           Paso Robles                      Santa Maria                         Ventura
                  1070 Main Street             146 W. Los Angeles Avenue          705 Golden Hill Road, Ste. 101   519 E. Main Street                  6401 E. Telephone Road
                  (805) 927-8633               (805) 531-0239                     (805) 237-1616                   (805) 922-2144                      (805) 289-9977
                  Carpinteria                  Morro Bay                          Pismo Beach                      Santa Maria                         Westlake Village
                  5030 Carpinteria Avenue      251 Harbor Street                  801 Price Street                 720 North Broadway                  2663 Townsgate Road
                  (805) 684-7602               (805) 772-1252                     (805) 773-5255                   (805) 347-9999                      (805) 418-1720
                  Cayucos                      Nipomo                             Pismo Beach                      Santa Maria
                  107 North Ocean Avenue       615 W. Tefft Street                865 Oak Park Boulevard           1554 South Broadway
                  (805) 995-3671               (805) 929-1911                     (805) 473-0333                   (805) 922-6951
                  Goleta                       Oak View                           San Luis Obispo                  Santa Maria
                  5956 Calle Real              410 Ventura Avenue                 75 Santa Rosa Street             2739 Santa Maria Way
                  (805) 967-0451               (805) 649-4047                     (805) 544-7070                   (805) 938-7110


                  Southern California
                  Blythe                       Coachella                          Holtville                        Murrieta                            Tecate
                  149 East Hobsonway           1491 S. Sixth Street               502 Holt Avenue                  40273 Murrieta Hot Springs Road     439 Tecate Road
                  (760) 922-4131               (760) 398-5000                     (760) 356-5000                   (951) 461-4411                      (619) 478-5315
                  Brawley                      El Centro                          Indio                            Ontario                             Thousand Palms
                  190 Main Street              1448 Main Street                   81-790 Highway 111               3800 Concours, Suite 350            72-885 Ramon Road
                  (760) 351-5000               (760) 337-3200                     (760) 775-5658                   (909) 758-4758                      (760) 343-3000
                  Brawley (Walmart)            El Centro (Walmart)                Julian                           Palm Desert
                  250 West Wildcat Drive       2150 N. Waterman Avenue            2033 Main Street                 41-990 Cook Street
                  (760) 351-4733               (760) 353-4743                     (760) 765-2765                   (760) 346-0228
                  Calexico                     Hemet                              La Quinta                        Palm Springs
                  25 E. Third Street           2091 W. Florida Avenue, Ste. 100   51-290 Avenida Bermudas          1111 East Tahquitz Canyon, Ste. C
                  (760) 768-5000               (951) 765-4300                     (760) 564-1857                   (760) 320-5110

				
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