redding bank of commerce · to purchase five branches in colusa, corning, orland, willows, and...

redding bank of commerce

welcome guideImportant Information About Changes

to Your Account Terms and Services

Terms and Services for Transitioning Bank of America Customers in Colusa, Corning, Orland, Willows and Yreka


3(530) 224.3333 | (800) 421.2575 | www.reddingbankofcommerce.com

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Welcome to Redding Bank of Commerce!Redding Bank of Commerce recently entered into an agreement with Bank of America to purchase five branches in Colusa, Corning, Orland, Willows, and Yreka, California, remote ATMs and certain deposit and loan accounts associated with these locations.

We are very excited to have you as our future customer and are looking forward to providing you the quality of service and personal attention you deserve.

As part of this transaction, your Bank of America accounts will be converted to Redding Bank of Commerce’s banking systems beginning at the close of business on March 11, 2016, and continue over the weekend. Your branch will reopen on March 14, 2016, as Redding Bank of Commerce. Our goal is to make this transition as seamless and undisruptive as possible so that you can begin to enjoy the high level of service and personal attention that we deliver to all of our customers.

In this Welcome Guide you will find details about the transition including important changes to deposit accounts and other services that will take place, as well as key dates to remember. Please take some time to review this important and time sensitive information, and keep it with you as a reference throughout the next few weeks.

Redding Bank of Commerce is a 33 year old community bank that was established by local individuals and business people to provide community banking to its customers. We have four locations, three in Redding and one in Roseville, California, and we couldn’t be more excited to be able to expand our Northern California market. Our mission is to be the premier provider of quality financial products and services, to create value for our customers, and to serve our communities with integrity and pride. We are active in our communities because we believe that for us to be successful, our communities must be supported. We want you to know that you are banking with a financially strong and secure institution, and that we will work hard to earn your trust and loyalty every day.

If you have any questions, our team at Redding Bank of Commerce is ready to help you. You can call our Customer Care Center at (530) 224-3333, or you can contact your local branch beginning March 14, 2016. We look forward to meeting you and helping you with your financial needs.

Randall S. EslickPresident and CEORedding Bank of Commerce


4 (530) 224.3333 | (800) 421.2575 | www.reddingbankofcommerce.com

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TABLE OF CONTENTS Conversion Details and Important Changes to Your Accounts and Services 5

Debit and ATM Cards 5

Draft/DirectDepositorAutomatedClearingHouse(ACH)Entries 5

Deposit Accounts 6

Interest on Accounts 7

Electronic Banking 7

Statements 8

Loan Accounts 9

Other Services 9

Account Summary Guide 10

Fees and Services Schedule - Effective March 1, 2016 13

Key Dates to Remember at a Glance 14

Questions? 14

Locations 16

Nuestra Guía de Bienvenida está disponible en español en nuestrositioweb,www.reddingbankofcommerce.com.



Conversion Details and Important Changes to Your Accounts and ServicesTheBankofAmericabranchesinColusa,Corning,Orland,Willows,andYreka,California,will close at 12:00 pm PST on Friday,March 11, 2016. The system conversion andchangestoyouraccounttermsandserviceswilltakeplaceatthattimeandcontinuethroughSunday,March13,2016.Duringthistime,thereisnothingyouneedtodo.OnMonday,March14,2016,youmaynoticesomedifferencesinthewayyouaccessyouraccountswithusasoutlinedinthisWelcomeGuide.

Debit and ATM Cards Transfer of Your Card Your Bank of America Debit or ATM card will be replaced with a Redding Bank ofCommerceMasterCard®DebitorATMcard. Onorprior toMarch1,2016,youwillreceiveyournewcardandPINfromReddingBankofCommerceseparatelyinthemail.Pleasekeeptheseinasecureplaceuntilitistimetoactivateyournewcard.

ExpirationofYourBankofAmericaDebitorATMCard Pleasecontinue touseyourBankofAmericaDebitorATMcarduntil itexpiresat7:30pmPST onMarch 11, 2016. We recommend that youdestroy your BankofAmericacardatthattime.Wealsorecommendthatyouwithdrawenoughcashfortheweekend,asbranchATMsmaynotbeavailableuntilMarch14,2016.

When to Use Your New Redding Bank of Commerce MasterCard® Debit or ATM Card Upon receipt of your new Redding Bank of CommerceMasterCard® Debit or ATMcard,pleasekeepthiscardinasecureplaceanddonotattempttouseituntilithasbeenactivated. YoucanactivateandbegintouseyourReddingBankofCommerceMasterCard®DebitorATMcardafter12:00pmPSTonMarch11,2016. Youmustactivateyourcardpriortouse.

ActivatingYourReddingBankofCommerceMasterCard®DebitorATMCardInstructionsforhowyoucanactivateyourcardandchangeyourPINwillbeincludedwithyournewcard.Pleasekeeptheseinstructionswithyourcardinasecureplaceuntilyoucanactivatethecardafter12:00pmPSTonMarch11,2016.

ATMLocationsAfter the initial activation, you may use your new Redding Bank of CommerceMasterCard®DebitorATMcardatanyofourATMsoratanyShazam™NetworkATMlocationnationwidewithoutincurringasurcharge.OurReddingBankofCommerceATMlocationscanbefoundonthebackcoverofthisWelcomeGuideorrefertoourwebsiteatwww.reddingbankofcommerce.com.

Draft/DirectDepositorAutomatedClearingHouse(ACH)Entries Toensurethereisnodisruptiontoyourdraft/directdepositservice,pleasecontactyourACHoriginating companiesafter March 11, 2016, toupdate the routingand transitnumberandaccountnumberforyourautomateddraftsordeposits.Someoriginatorswilldiscontinuetheautomatedtransactioniftheydonothearfromyouregardingtheroutingandtransitnumberand/oraccountnumberchange.ThenewroutingandtransitnumberonyourReddingBankofCommerceaccount(s)willbe121139287.ThischangeiseffectiveMarch12,2016.Wewillcontinuetoacceptyourdraft/directdepositsforalimitedtime.



Anotification fromyou to theoriginating companyafter March 11, 2016, will helpensure that your automated transactions continue as normal. If you encounter aproblemwithyourdraft/directdepositservice,pleasecontactusat(530)224-3333orvisityourlocalbranch.

ImportantInformationforCustomersReceivingSocialSecurityBenefits The U.S. Government will not change the routing information for your benefitsautomatically or based on a notification of change (NOC) from a bank. Youmustcontactthemdirectlyviaphone,tollfreeat(800)772-1213(TTY(800)325-0778),orviatheinternetathttps://www.ssa.gov/myaccount/,after March 11, 2016.

If youencounter a problemwith yourdirect deposit service, please contact us at(530)224-3333orvisityourlocalbranch.

Deposit AccountsChecksOnoraboutMarch1,2016,youwillreceivecomplimentaryReddingBankofCommercereplacementchecksviaU.S.mailfromourcheckcompany,Harland Clarke,whichwillreflect your account number and Redding Bank of Commerce’s routing and transitnumber. Ifyouorderchecks throughanothersource,youmustprovideyourcheckvendorwithyouraccountnumberandroutingandtransitnumber121139287. When you receive your complimentary new checks, please verify your personal informationiscorrect,andkeeptheseinasecureplace.ContinuetouseyourBankofAmericachecksthroughMarch11,2016.Atthattime,pleasedestroyyourBankofAmericachecks.YoucanbegintouseyournewReddingBankofCommercechecksonMarch12,2016.

IfyoudonotreceivechecksfromHarlandClarkebyMarch4,2016,pleasecontactusat(530)224-3333.

Checking and Money Market AccountsYouraccountnumber(s)maychangeonyour checkingormoneymarketaccount(s)withthisconversion.YouwillbenotifiedpriortoMarch1,2016,ofyournewaccountnumber(s). We will continue to honor your outstanding Bank of America checks,automatic debits, point of sale (POS), automatic payments and/or pre-authorizedtransactionsafterthetransferdatethroughMay11,2016,providedyouhavesufficientavailable balances in your Redding Bank of Commerce account(s) at the time ofpresentmentofthetransaction.PleasebegintouseyourcomplimentaryReddingBankofCommercechecksonMarch12,2016,anddestroyyourunusedBankofAmericachecks.

Ifyouhavemonthlyautomaticpaymentsordirectdepositstoyouraccountpleaserefertopage5inthisWelcomeGuide.

Savings,CertificatesofDeposit(CDs)andIndividualRetirementAccounts(IRAs)Your account number(s) may change on your savings, CD or IRA account(s) withthisconversion.YouwillbenotifiedpriortoMarch1,2016,ofanychangestoyouraccountnumber(s).



Maturitydates,penalties,interestratesandannualpercentageyields(APYs)willnotchange.AllCDtermswillremainthesameuntilmaturity.WewillnotifyyouofthenewaccounttermsandconditionsthatwillbeassociatedwithyouraccountpriortothematurityofyourCD.

ReddingBankofCommercewillbecomethecustodianforyourIRAeffectiveatthecloseofbusinessonMarch11,2016. ThetermsassociatedwithyourIRAwillnotchange.PleasevisityourlocalbranchandchangeanyassociatedautomaticdeposittoyourReddingBankofCommerceaccountandnotifyyourtaxandfinancialplanners.

OverdraftProtection OverdraftlinesofcreditoraccountstiedtoacreditcardforoverdraftprotectionWILLNOTbe included in the transitionofaccountservices. Customersmayapply foranOverdraftLineofCreditattheirlocalbranch.

ReddingBankofCommerceofferstwooverdraftprotectionservices:-Overdraft Line of Credit: Customersmustapply,andaresubjecttocreditapproval.Pleasevisityourlocalbranchforadditionalinformation.

-Savings Overdraft: Customershavetheoptiontolinkachecking,savings,ormoneymarketaccount to theircheckingaccount; in theeventofanoverdraft, the linkedaccountwilltransferavailablefundsautomaticallytocovertheoverdraft.

Interest on AccountsInterestaccruedonyourchecking,savingsandmoneymarketaccount(s)throughMarch11,2016,willbepaidbyBankofAmerica.InterestaccrualswillbeginwithReddingBankofCommerceonMarch12,2016.

YourCDandIRAaccount(s)willcontinuetoaccrueinterestandbepaidbyReddingBankofCommerceonthenextinterestpaymentdate. Current RatesPleasecontactusat(530)224-3333forcurrentratesonourproductofferings.

Electronic BankingOnline BankingOnlinebankingcustomerswillreceiveadditionalinformationinthemailandthroughemailregardingtheironlineaccountspriortoFebruary25,2016.Pleasereadtheinformationthoroughly. Your User ID will not change. PriortoFebruary25,2016,youwill receiveinstructionsonhowtoaccesstheReddingBankofCommerceOnlineBankingserviceforyouraccount.Whenyougotoourwebsite,www.reddingbankofcommerce.com,tosignonforthefirsttime,youwillbepromptedtocreateanewpasswordaspartoftheenrollmentprocess.YoucanbeginenrollmentforReddingBankofCommerceOnlineBankingonorafterMarch14,2016.Pleasecontactusat(530)224-3333orvisityourlocalbranchifthereisanissue.Please note: Redding Bank of Commerce Online Banking will not be available from March 11, 2016, through March 13, 2016. Until the conversion is complete certain information, such as balances on your account(s), may not be available for viewing. All online banking information will be available by March 14, 2016.



Mobile Banking Youcandownload theReddingBankofCommerce smartphoneor tabletappandbeginaccessingMobileBankingonMarch14,2016.TheappisavailableforbothAndroidandiOSoperatingsystemsandcanbefoundintheplayorappstore.ReddingBankofCommerceoffersMobileBankingwhichallowsyoutoviewaccounthistoryandbalances,maketransfersbetweenyourReddingBankofCommerceaccountsandmakedepositsfromyoursmartphoneortablet24hoursaday,sevendaysaweek.YoumustbeenrolledinOnlineBankingtoaccessMobileBanking.

Telephone Banking TheTelephoneBankingnumberis(800)422-7931.Youmayaccessyouraccount(s)beginningMarch14,2016,atthisnumber.Youwillloginusingyouraccountnumber.Thefirstloginwillrequiresecurityverification,thenyouwillfollowtheprompts.Ifyouencounteraproblempleasecall(530)224-3333orvisityourlocalbranch.

Remote Deposit CaptureReddingBankofCommerceoffersRemoteDepositCaptureforbusinesscustomers.IfyoucurrentlyuseRemoteDepositCaptureforyourbusiness,wewillbecontactingyoupersonallypriortoMarch11,2016,tosetupatimetoprovideinformationandtrainingontheReddingBankofCommerceRemoteDepositCapturesystem.

BillPayYoucanenrollforReddingBankofCommerceBillPaybeginningMarch14,2016.BillPayisaccessedthroughReddingBankofCommerceOnlineBankingbysimplyclickingontheoptionforBillPayandfollowingtheprompts.Yourcurrentpayees,recurringpaymentsandpaymentcategoriesatBankofAmerica’sBillPaywilltransfertoReddingBankofCommerce’sBillPaywiththisconversion.Youwillneedtore-enrollforanybillsdeliveredviaElectronicBillPresentment.However,werecommendyouprintorsaveanyhistoryandotherinformationyoumayneedandtoverifythatyourbillpaysettingshavetransferredcorrectly.

TransactionhistorywillbeginonReddingBankofCommerceBillPayonMarch14,2016.Please note: Redding Bank of Commerce Bill Pay will be available beginning March 14, 2016. You can enroll for Redding Bank of Commerce Bill Pay on or after March 14, 2016, provided you have enrolled in Online Banking.

In preparing for the conversion, the last day to schedule a bill payment through Bank of America Bill Pay is March 8, 2016, by 2:00 pm PST. For payments scheduled for delivery during the conversion weekend, please check with your payees to ensure payments are received. You may want to manually make payments between March 8, 2016, and March 14, 2016.

StatementsYouwill receive a final Bank of America statement with account activity throughMarch11,2016.

Forpersonalstatements,yourfirstReddingBankofCommercestatementfollowingtheMarch11,2016, transferwillbeprocessedonornearyour regular statementdate.

Forbusinessstatements,yourfirstReddingBankofCommercestatementfollowingtheMarch11,2016,transferwillbeprocessedonMarch31,2016.Cutoffdatesforbusinessstatementswillbethelastbusinessdayofeachmonth.



Electronic Statements WeofferelectronicstatementsthroughReddingBankofCommerceOnlineBanking.Tosignupforelectronicstatements,enrollinOnlineBanking.YoucanviewactivityonyouronlinebankingaccountbeginningMarch14,2016.

Allelectronic statementsareproducedon thecycledatespecific toyouraccount.YourfirstelectronicstatementwillbeavailableuponreceiptofthesecureemailfromReddingBankofCommerce.

Loan AccountsTherewillbenochangestotherateortermofyourloanasaresultofthisconversion.Youcancontinuetomakepaymentsatyour localbranchoronlinethroughOnlineBanking.Ifyouwishtomakeyourloanpaymentthroughmail,ACHorwiretransfer,pleaseusethefollowinginformation:

ByMail: Redding Bank of Commerce Attn: Loan Administrative Services 1951 Churn Creek Road Redding, CA 96002-0246

ByACH: Redding Bank of Commerce ABA #121139287 Account Number: Your loan number

ByWireTransfer: Redding Bank of Commerce Attn: Loan Administrative Services 1951 Churn Creek Road Redding, CA 96002-0246 ABA #121139287 Account Number: Your loan numberOther ServicesCredit CardsRedding Bank of Commerce will offer credit cards for both personal andbusiness use beginningMarch 14, 2016. Formore informationplease visitwww.reddingbankofcommerce.com.

Safe Deposit BoxesAtthetimeofannualrenewalwewillsendyouarenewalnotice.PleaseseeourFeesandServicesScheduleonpage13forannualrentalfees.

Night Drop NightDropserviceswillbeunavailablebeginning8:00amPSTonMarch11,2016,until9:00amPSTonMarch14,2016.OnorafterMarch14,2016,aReddingBankofCommercerepresentativewillcontactyoutosetupanewcontract,oryoumayvisityourlocalbranch.



Bank by Mail After12:00pmPSTonMarch11,2016,customersusingBankbyMailservicesshouldbeginmailingdepositsto: Redding Bank of Commerce 1951 Churn Creek Road Redding, CA 96002-0246

Account Summary GuideAtthecloseofbusinessonMarch11,2016,yourcurrentaccount(s)willbeconvertedtoReddingBankofCommerce.AspreviouslyoutlinedinthisWelcomeGuideyouraccountnumber(s)maychange,andyouraccounttypeanditsfeaturesmayhavebeenupdated.Pleaserefertotheinformationbeginningonpage11,whichshowscurrentaccountsthatwillhavechanges. Affectedaccountsareshown in thefirstcolumn. In thenext twocolumns,youwillfindthenewaccountnameanditstermsandfeatures.Fordetailedinformation regarding your new account, please refer to the Terms and ConditionsenclosedwiththisWelcomeGuide.

Afteryouhavereviewedtheaccountinformation,ifyoufeeladifferentReddingBankofCommerceaccountbettersuitsyourneeds,pleasecontactusat(530)224-3333orvisityourlocalbranchafterMarch14,2016,todiscussotheroptionsandtomakeanynecessarychangestoyouraccount.



Bank of America Core CheckingRegular CheckingRegular Checking – Advantage RelationshipRegular / BofA Core Checking – Advantage RelationshipSenior Economy Checking

eBanking Checking

SafeBalance Checking

Advantage with Tiered Interest CheckingBank of America Interest Checking

Bank of America Core Checking - Youth

Regular SavingsCustom Savings

Minor Savings

GWIM Money Market SavingsMoney Market SavingsPlatinum Money Market SavingsRewards Money Market Savings

If Your Bank of America Account Was:

PERSONALDEPOSITACCOUNTSYour New Redding Bank of Commerce Account Will Be:

Redding Bank of Commerce Terms and Features

Simple Checking

Choice Rewards Checking

Foundation Checking

Personal Interest Checking

MyBOC

Personal Savings

Youth Savings

Personal Money Market

• $1,000averagemonthlybalanceor$250directdepositpostedor10POSDebitCardtransactionspostedduringthestatementcycletoavoid$9.95monthlyservicecharge•MasterCard®DebitCard•UnlimitedTransactions• FreeOnline,Mobile&TextBankingwithBillPay•Electronicstatement• $3.00feeformonthlypaperimagestatement•SeeFees&Servicesforotherfeesthatmayapply

•Requires20ormorePOSDebitCardtransactionsposted during statement cycle and electronic statement to avoid $7.95monthlyservicecharge•CashBackReward*•MasterCard®DebitCard•UnlimitedTransactions• FreeOnline,Mobile&TextBankingwithBillPay•Upto$10.00monthlyrefundonforeignATMfees**•SeeFees&Servicesforotherfeesthatmayapply

•$4.95monthlyservicecharge•MasterCard®DebitCard• FreeOnline,Mobile&TextBankingwithBillPay•Electronicstatement•SeeFees&Servicesforotherfeesthatmayapply

•$5,000averagemonthlybalanceor$10,000incombinedaveragebalancestoavoid$15.00monthlyservicecharge•Earnmoreinterestonhigherbalances•MasterCard®DebitCard• FreeOnline,Mobile&TextBankingwithBillPay•Electronicstatement•$3.00feeformonthlypaperimagestatement•SeeFees&Servicesforotherfeesthatmayapply

•StudentAccount(14to23years)•MasterCard®DebitCard• FreeOnline,Mobile&TextBankingwithBillPay•Upto$10.00monthlyrefundonforeignATMfees**•SeeFees&Servicesforotherfeesthatmayapply

•$100averagemonthlybalanceorlinkedtoacheckingaccountforoverdraftprotectiontoavoid$5.00monthly service charge• Earnmoreinterestonhigherbalances•Limit6pre-authorizedtransactionsperstatementcycleatnocharge,$2.00chargeforadditionaltransactions•SeeFees&Servicesforotherfeesthatmayapply

• Foryouthunder18yearsofage•Limit6pre-authorizedtransactionsperstatementcycleatnocharge,$2.00chargeforadditionaltransactions•SeeFees&Servicesforotherfeesthatmayapply

•$2,500averagemonthlybalancetoavoid$15.00 monthly service charge• Earnmoreinterestonhigherbalances•Limit6pre-authorizedtransactionsperstatementcycleatnocharge,$2.00chargeforadditionaltransactions•SeeFees&Servicesforotherfeesthatmayapply

*$0.05 cash back per POS transaction; does not include cash withdrawal made at an ATM. Total reward limited to $150.00 per year.**Refund will be provided if transaction requirements have been met. See Account Terms for additional information.

See page 1 of the Account Terms and Conditions for account disclosure information.










Business Economy CheckingBusiness Advantage CheckingBusiness Fundamentals® Checking Full Analysis Business Checking

Business Advantage Checking - Primary

Business Interest Checking

Business Investment Account

SelectBusinessInterestMaximizer® SavingsBusinessInterestMaximizerTM SavingsPlatinum Business Interest MaximizerTM Savings

PublicServiceTrust

If Your Bank of America Account Was: Your New Redding Bank of Commerce Account Will Be:

Redding Bank of Commerce Terms and Features

Basic Business Checking

Business Select Checking

Business Interest Checking

Business Savings

Business Money Market

StateBar(IOLTA)

•$1,500averagemonthlybalanceor$5,000incombinedaveragebalancestoavoid$13.00monthlyservicecharge•250transactions(checks)/$0.25peritemover250checks posted during statement cycle•MasterCard®DebitCard• FreeOnline,Mobile&TextBanking•Electronicstatement• $3.00feeformonthlypaperimagestatement•SeeFees&Servicesforotherfeesthatmayapply- Includes Analysis Fees

• $15,000averagemonthlybalanceor$30,000incombinedaveragebalancestoavoid$25.00monthlyservicecharge•400transactions(checks)/$0.25peritemover400checks posted during statement cycle• Includesoneofthefollowingservicesfreeofcharge:NightDrop,smallSafeDepositBox,BusinessBillPay,TargetBalanceAccounting,ACHFraudFilter•MasterCard®DebitCard• FreeOnline,Mobile&TextBanking•Electronicstatement• $3.00feeformonthlypaperimagestatement•SeeFees&Servicesforotherfeesthatmayapply

•$5,000averagemonthlybalanceor$10,000incombinedaveragebalancestoavoid$16.00monthlyservicecharge•250transactions(checks)/$0.25peritemover250checks posted during statement cycle• Earnmoreinterestonhigherbalances•MasterCard®DebitCard• FreeOnline,Mobile&TextBanking•Electronicstatement•$3.00feeformonthlypaperimagestatement•SeeFees&Servicesforotherfeesthatmayapply

•$100averagemonthlybalancetoavoid$5.00 monthly service charge• Earnmoreinterestonhigherbalances•Limit6pre-authorizedtransactionsperstatementcycleatnocharge,$2.00chargeforadditionaltransactions•SeeFees&Servicesforotherfeesthatmayapply

•$2,500averagemonthlybalancetoavoid$15.00 monthly service charge• Earnmoreinterestonhigherbalances•Limit6pre-authorizedtransactionsperstatementcycleatnocharge,$2.00chargeforadditionaltransactions•SeeFees&Servicesforotherfeesthatmayapply

•VariableInterestBearingAccount• FreeOnline,Mobile&TextBanking•Electronicstatement•SeeFees&Servicesforotherfeesthatmayapply

BUSINESSDEPOSITACCOUNTS









OverdraftFee(paidoverdraftfee) $30.00Maximum$150perdayReturnedItemFee(returnedcheckfee) $30.00Maximum$150perdayDailyOverdraftFee(after3businessdays) $7.00StopPayments–6monthexpirationdate $20.00StopPayments–12monthexpirationdate $30.00ChargebackReturnedItem $10.00ChargebackReturnedItem–SpecialHandling $15.00LegalProcess $75.00SpecialStatements $5.00CashiersChecks $10.00Incoming/OutgoingCollections $15.00DomesticWireIncoming $15.00DomesticWireOutgoing $25.00ForeignWireIncoming $15.00ForeignWireOutgoing $45.00NightDepository(annual) $45.00NightDepositoryKeyDeposit $5.00Research&Reconcilement(perhour) $30.00Photocopies(percopy) $0.50TelephoneTransfer $2.00Courier(perpick-up) $15.00HealthSavingsAccountAnnualReportingFee $25.00IRAAnnualReportingFee $25.00NotaryServices–BankCustomerPerSignature $5.00NotaryServices–NonBankCustomer $10.00PerSignatureUnrolledCoinProcessingFeeofTotalDeposit 5.0%2x5SafeDepositBox $40.003x5SafeDepositBox $50.005x5SafeDepositBox $60.003x10SafeDepositBox $70.005x10SafeDepositBox $80.0010x7SafeDepositBox $100.0010x10SafeDepositBox $125.00SafeDepositKeyDeposit $15.00SafeDepositForcedEntry-Otherfeesmayapply $200.00BasicOnlineBanking FreeConsumerBillPayment FreeCheckFreeBillPaymentResearch $25.00CopyofBillPaymentCheck $10.00MoneyServiceBusinessMonthlyFee $150.00LockboxServices:LockboxProcessing–Set-upFee $100.00LockboxMonthlyMaintenanceFee $100.00

LockboxDailyReportingFee $5.00LockboxPerItemFee $0.35PostOfficeBoxRental VariesBillPaymentServices:BusinessBillPayPayment-Monthly $15.00Includes20paymentspermonthDeluxeBusinessBillPayPayment-Monthly $25.00AdditionalBillPayPayments(each) $0.75TreasuryManagement:Installation&Training(one-timefee) $25.00ACH:MonthlyBaseFee $20.00ACHFileTransmissionFee(perfile) $3.50ACHTransactionFee(pertransaction) $0.15ElectronicTaxPayment $3.50ACHRejectFee $10.00WireTransfer:MonthlyBaseFee $20.00DomesticWireOutgoing $10.00ForeignWireOutgoing $25.00SecurityToken(replacementfee) $15.00RemoteDepositCapture:InstallationandTraining(one-timefee) $50.00MonthlySoftwareSubscriptionFee– $50.00PrimarySiteMonthlySoftwareSubscriptionFee– $25.00AdditionalSiteZero/TargetBalanceServices–Basic $9.95Zero/TargetBalanceServices–Advanced $19.95EasyPay–PerAccount $19.95ACHFraudFilter–PerAccount $14.95AccountDataTransfer–PerAccount $9.95AccountDataTransfer(BAI2)–PerAccount $29.95TreasuryManagement–OtherFeesAnalysis:MaintenanceFee $12.00Deposits $0.15ItemsDeposited $0.08ChargebackReturnedItem $10.00ChargebackReturnedItem–SpecialHandling $15.00Checks&ACHPaid $0.15Currency(perthousand) $1.00RolledCoin(perroll) $0.10NegativeBalance PrimeRate

Fees and Services Schedule - Effective March 1, 2016The following fees and charges may be assessed against your account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request. Check printing fees vary by the style of check ordered.



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Key Dates to Remember at a GlanceReceiveOnlineBanking/BillPayinformationinmail: PriortoFebruary25,2016

ReceivenewReddingBankofCommerceaccountnumber(s)inmail: PriortoMarch1,2016

ReceivenewReddingBankofCommercechecks: PriortoMarch4,2016

ReceiveReddingBankofCommerceMasterCard®DebitorATMcard: PriortoMarch4,2016

ReceivePINinmail(1-3daysafterreceivingcard): PriortoMarch4,2016

LastdaytoscheduleonlinepaymentsthroughBankofAmerica: March8,2016by2:00pmPST

ConversionWeekend: March 11-13, 2016

BankofAmericaOnlineBankingdiscontinued: March11,2016at12:00pmPST

BankofAmericafinalstatement: March 11, 2016

BegintouseReddingBankofCommerceDebitand/orATMcard: March11,2016after12:00pmPST

DestroyBankofAmericachecks,Debitand/orATMcard: March11,2016after12:00pmPST

BegintousenewReddingBankofCommercechecks: March 12, 2016

BegintouseTelephoneBanking: March 14, 2016

BegintouseReddingBankofCommerceOnlineBankingandBillPay: March 14, 2016

BegintouseReddingBankofCommerceMobileBanking: March 14, 2016

FirstReddingBankofCommercebusinessstatementsmailed: March 31, 2016

FirstReddingBankofCommerceelectronicstatementsareavailable: Vary based on account

FirstReddingBankofCommercepersonalstatementsaremailed: Vary based on account

Questions?Wehopethisinformationhasbeenhelpfulinguidingyouthroughourupcomingconversion.Welookforwardtohavingyouasourcustomerandcontinuingtoserveallofyourfinancialneeds.

Ifyouhaveanyquestionspleasecontactusat(530)224-3333orvisityourlocalbranch.

1177 Placer Street Redding, CA 96001-1152

1951 Churn Creek Road Redding, CA 96002-0246

3455 Placer Street, Suite A Redding, CA 96001-2373

1504 Eureka Road, Suite 100 Roseville, CA 95661-3058

558 Market Street Colusa, CA 95932-2426

1222 Solano Street Corning, CA 96021-3145

1920 Solano Street Corning, CA 96021-2800

ATM only

328 Walker Street Orland, CA 95963-1347

125 E. Walker Street Orland, CA 95963-1525

ATM only

155 N. Tehama Street Willows, CA 95988-2813

692 E Street Williams, CA 95987

ATM only

200 S. Broadway Street Yreka, CA 96097-2904

All locations have ATMs onsite

redding bank of commerceMain: (530) 224-3333

Toll Free: (800) 421-2575

www.reddingbankofcommerce.comwww.sacramentobankofcommerce.com

www.bankofcommerceholdings.com

Locations

Member FDIC

redding bank of commerce · to purchase five branches in colusa, corning, orland, willows, and...

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