Checking Accounts

At account opening you signed an Account Contract which established with us a contract governed by the documents provided to you including the Truth-in-Savings Disclosure, the Deposit Account Agreement and the Personal Banking Services Deposit Account Service Fee Schedule. All other terms and conditions in our contract with you continue in full force. The Premier Plus Rewards Program and any individual reward may be discontinued at any time. To obtain current interest rates or if you have questions about your account, please visit our website www.exchangebank.com, call us at 707.524.3000 or 800.995.4066, or visit one of our branches.

The Premier Plus Rewards Program is available to customers who maintain a Premier Plus Checking account and meet the balance criteria or those who have an Exchange Bank Trust & Investment relationship and any open deposit account at Exchange Bank.

Rewards
There are three rewards available to Premier Plus Rewards Program customers meeting the tiered balance criteria:

• Premier Plus Rewards Program Mortgage Reward
• Premier Plus Rewards Program Consumer Loan Interest Rate Discount Reward
• Premier Plus Rewards Program Personal Savings and Money Market Interest Rate Reward

Balance Criteria
To participate in the Premier Plus Rewards Program, you must qualify for one of the following:

Silver:

• An open Premier Plus Checking account; and
• Combined average daily ledger balance of $25,000.00 - $49,999.99 in related deposit balances.¹

Gold:

• An open Premier Plus Checking account; and
• Combined average daily ledger balance of $50,000.00 - $99,999.99 in related deposit balances.¹

Platinum:

• An open Premier Plus Checking account; and
• Combined average daily ledger balance of $100,000.00 or greater in related deposit balances;¹ or
• Customers maintaining a relationship with Exchange Bank Trust and Investments and any open deposit account at Exchange Bank.

Premier Plus Rewards Program Mortgage Reward
When you open a new Exchange Bank (or affiliated broker) consumer residential mortgage for purchase or refinance, you may receive a reward²:

• Silver: $200 mortgage reward
• Gold: $300 mortgage reward
• Platinum: $500 mortgage reward

Restriction & Exclusions: Each individual eligible for the Premier Plus Rewards Program is eligible for one Mortgage Reward per funded mortgage each calendar year. Excludes reverse mortgages, construction mortgages, and modifications.

This is not a commitment to lend. Subject to credit approval and additional terms, conditions and fees apply.

Premier Plus Rewards Program Consumer Loan Interest Rate Discount Reward
When you apply for a new consumer loan, a 0.25% interest rate discount reward is available to you if you meet the Silver, Gold, or Platinum balance criteria³.

Eligible loan types include:

− Purchase Power – Unsecured Line of Credit

− Auto Loans (new and used)

− Home Equity Line of Credit

− Boat & RV Loans

− Modular/Mobile Home Loans

− Savings and CD Secured Loans

This is not a commitment to lend. Subject to credit approval and additional terms, conditions and fees apply.

Premier Plus Rewards Program Personal Savings and Money Market Interest Rate Reward⁴
An interest rate reward is applied to your related eligible personal savings and money market accounts based on your balance criteria.

• Silver: 0.01%
• Gold: 0.02%
• Platinum: 0.03%

¹ You must designate the deposit accounts or certificate of deposit accounts you want us to link to your account for combined balance consideration. For each designated linked account, the period of time that we use as the basis for calculating the balance, and the day that we use to determine the balance may be different from the monthly account cycle of the benefiting account. The combined balances will be calculated three days before the monthly account cycle date of your account to determine eligibility for the Premier Plus Reward Program.

² Evaluation of your Premier Plus Rewards Program status (Silver, Gold, or Platinum) is completed during the first 10 calendar days of the month after funding of the qualified mortgage. Your status during the evaluation may differ from your status as of date your mortgage was applied for or funded. The reward amount will be credited to your Premier Plus Checking account. For Trust & Investment customers, the reward may be credited to an open deposit account or via cashier’s check.

³ You must designate your eligibility at the time of loan application. Consumer loan interest rate discounts cannot be applied to existing eligible loans after funding.

⁴ The interest rate is applied to all related eligible personal accounts. You must designate the personal savings or money market to link for the interest rate reward. Eligible interest accounts types include: Regular Savings, My Cash Savings, Signature Plus Savings, Investor Savings, and Personal Money Market. The interest rate and annual percentage yield for your account may change as often as daily at our discretion. We may change the reward rate at any time and we may set the rate for each tier in any amount. Evaluation of balance criteria occurs prior to the account cycle date. Determined interest rate reward remains for the duration of the evaluated account’s monthly cycle. See Rate Schedule for Consumer Accounts for current interest rates and interest reward rates.