CALIFORNIA BANK & TRUST

Our storyFor more than 60 years, California Bank & Trust (CB&T) has provided Californians financial guidance from experienced, professional bankers specializing in financing, cash management, international banking, commercial and business banking, personal banking, and wealth management.

As one of California’s leading banks, with loan balances more than $10 billion and deposit balances of $11 billion, we connect thousands of individuals and businesses with smart financial solutions through a network of nearly 100 branch offices statewide.

CB&T is a division of Zions Bancorporation, N.A., which has assets of approximately $70 billion and operates in nearly 500 local financial centers across 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. Zions Bancorporation, N.A. is included in the S&P 500 and NASDAQ Financial 100 indices (NASDAQ: ZION).

Zions’ size and reputation as a premier financial services provider gives CB&T financial stability and access to all the knowledge and services available within the parent company, while retaining the ability to make local decisions.

NOTABLE ACHIEVEMENTS

In 2018, California Bank & Trust, as part

of Zions Bancorporation, maintained its

historical Greenwich Excellence award

recognition for Middle Market Banking in

Overall Customer Satisfaction-Western

Region, Cash Management Overall Customer

Satisfaction-Western Region, and Cash

Management Overall Satisfaction with Cash

Management Specialist-National.1

Consistently rated “Outstanding” for

Community Reinvestment Act (CRA) activities

by the Federal Deposit Insurance Corporation

(FDIC).

Preferred SBA Lender, as designated by the U.S.

Small Business Administration (SBA) and is a

top lender in both SBA 7(a) and 504 loans, as a

division of Zions Bancorporation, N.A.

OUR LOCATIONS

CB&T has nearly 100 branch locations and

ATMs serving:

• Central Valley• Greater San Bernardino & Riverside• Greater Los Angeles• Orange County• Sacramento• San Diego• San Francisco Bay Area

calbanktrust.com

A division of Zions Bancorporation, N.A. Member FDIC

BUSINESS & COMMERCIAL BANKING2

PREMIER WEALTH MANAGEMENT

Our products and services

Financing• Lines of Credit • Term Loans • Asset-based Financing • Acquisition Financing • Employee Stock Ownership

Plan Financing • Equipment Financing3 • Small Business Administration Loans • Commercial Real Estate Financing • Construction Loans

• Visa® Business Credit Card

Financing• Mortgage Loans • Home Equity Lines • Construction Loans • Auto/Boat/RV Loans • Personal Loans/Lines • Visa® Credit Cards

Private Banking• Deposit Solutions• Private Mortgage

Checking/Savings• Business Checking • Money Market & CDs • Sweep Accounts

Treasury Management• Information Services• Liquidity Services• Payable Services• Receivable Services• Fraud Protection Services• Card Solutions

Other Services• Online Banking & Bill Pay • Mobile Banking • Merchant Services by First

Data Merchant Services, LLC4 • Global Banking • 1031 Exchange Services5 • Business Valuation Services

Checking/Savings• Personal Checking • Money Market & CDs • Individual Retirement Accounts

(IRAs)

Other Banking Services• Online Banking & Bill Pay • Mobile Banking • 1031 Exchange Services5 • Friends and NeighborsSM Mortgage

Program

PERSONAL BANKING2

1 The Greenwich Excellence Awards in Small Business and Middle Market Banking are based on interviews with nearly 30,000 businesses with sales of $1-500 million across the United States.

2 Product terms and conditions apply. Loans subject to credit approval; terms, conditions and restrictions apply. See banker for details. 3 EquipmentleasefinancingisofferedthroughZionsCreditCorporation,asubsidiaryofZionsFirstNationalBank.4 All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Merchant Services products

andservicesareprovidedbyFirstDataMerchantServicesLLCandnotbyCaliforniaBank&Trust,adivisionofZionsBancorporation,N.A.5 AllexchangesandqualifiedintermediaryservicesareofferedthroughExchangeServices,LLCaUtahlimitedliabilitycompany,asubsidiaryofZions

Bancorporation,N.A.Allrightsreserved.Theinformationcontainedhereinisforinformationalpurposesonlyanddoesnotconstitutetax,legaloraccounting advice. You are advised to seek appropriate professional advice regarding your facts and circumstances.

Equal Housing Lender | SBA Preferred Lender | NMLS# 467014 | F-CBT-001 (06/19) |

• Custom Lending Solutions• Securities-based Lending

6 TrustandfiduciaryinvestmentservicesareofferedthroughWealth&FiduciaryServices,apartofZionsWealthManagement,adivisionofZionsBancorporation,N.A.

7 InstitutionalLiquidityManagementisofferedtonon-municipalcustomersthroughWealth&FiduciaryServices,adivisionofZionsBancorporation,N.A.,andmunicipalcustomersthroughZionsCapitalAdvisors,Inc.(ZCA),anSECregisteredinvestmentadvisorandanon-banksubsidiaryofZionsBancorporation,N.A.

• Trust Services6

• Institutional Liquidity Management7

• Wealth Planning

Wealth Management

Investment products and services are:

Not FDIC Insured Not Bank Guaranteed May Lose Value Not Insured by any Federal Government Agency Not a Bank Deposit

• Investment Management6

• Risk Analysis• Retirement Planning• Philanthropic Wealth Management Strategies

© 2019 Zions Bancorporation, N.A.