Common use of Important Information About Your Checking Account Clause in Contracts

Important Information About Your Checking Account. What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Financial Federal Bank 0000 Xxxxx Xxxxxxx Drive, Suite 100 Memphis, TN 38120 000.000.0000 You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:

Important Information About Your Checking Account. What is Is a substitute checkSubstitute Check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund refund, under this procedure procedure, is limited to the amount of your loss or the amount of the substitute check, check whichever is less. You also are also entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Financial Federal Bank at 000-000-0000 Xxxxx Xxxxxxx Drive, Suite 100 Memphis, TN 38120 000.000.0000 or 1-866-4SECPLUS. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:— • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check and/or the following information to help us identify the substitute check (for example the check number, the name of the person to whom you wrote the check, the amount of the check). FUNDS AVAILABILITY Our policy is to make funds from your deposits available to you within the time specified by the Federal government in the Expedited Funds Availability Act. During these time periods, you may not withdraw the funds and we will not use the funds to pay checks that may have been written or electronic withdrawals. You are still responsible for checks returned unpaid even after we have made funds available and the funds have been withdrawn. Deposits at the ATMs or through the mail may be delayed. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal holidays. If you make a deposit in person on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after business hours or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit on a Friday or a Saturday, we will consider the first business day after the day of deposit to be the following Monday, unless Monday is a holiday. 27

Important Information About Your Checking Account. What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Financial Federal Bank 0000 Xxxxx Xxxxxxx Drive, Suite 100 Memphis, TN 38120 000.000.0000 You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check or the following information to help us identify the substitute check: CHECK NUMBER, DATE OF CHECK, NAME CHECK IS PAYABLE TO, AND CHECK AMOUNT. truth in SavingS diSCloSureS Deposit Accounts in General. The Federal Truth-in-Savings Act requires that certain information be provided:

Important Information About Your Checking Account. What is Is a substitute checkSubstitute Check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawlaws. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Financial Federal Bank 0000 Xxxxx Xxxxxxx Drive, Suite 100 Memphis, TN 38120 000.000.0000 at (000) 000-0000. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:: • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check and the following information to help us identify the substitute check: check number, the name of the person to whom you wrote the check, and the amount of the check. In the event you purchase any identity theft or fraud prevention products or services from us or a third party, you agree that such product or service does not release you from monitoring your account as described in this Agreement, or impose additional requirements on us as defined by laws and regulations or in this or other Bank agreements. TAXPAYER IDENTIFICATION NUMBER We are required to obtain a taxpayer identification number (“TIN”) for each account you open or maintain with us. The TIN for an individual is usually a social security number (SSN). We must obtain this number even if you are not required to file tax returns. This number is included on reports we must file with state and federal tax authorities about interest we pay you. U.S. persons, including resident aliens may be required to complete a Form W-9 to certify their TIN and backup withholding status. To establish that you are not a U.S. citizen or other U.S. person (including a resident alien individual), we may require you to (among other things) complete a Form W-8. We may report interest in cases where it is not mandated for us to do so. We are not responsible for your action or inaction in selecting or completing a form, and no information in these matters that may be supplied by us to you should be relied upon by you. In all tax matters, you should consult your own tax advisor. You agree to notify us and submit a new Form W-9 or W-8, as applicable, within thirty (30) days if any certification made on the form becomes incorrect. If you fail to provide your TIN and certify that it is correct, or if you fail to certify that you are not subject to backup withholding or if the IRS notifies us that you have furnished an incorrect taxpayer identification number, then federal tax rules may require us to re-solicit your TIN and/or withhold a percentage of interest paid to you. We forward amounts withheld to the IRS. If there are any fines, penalties, or charges assessed upon us due to any incorrect name/TIN mismatch or error not caused by us, you agree to reimburse us for the fine, penalty, or charge, and we may charge your account for the same. When an account earns interest, we may report the interest paid and the amount withheld to the IRS (and to the California Franchise Tax Board). You will receive a copy of the information reported to the tax authorities. TRANSACTION LIMITATIONS Federal law limits certain types of withdrawal and transfer transactions you can make out of a savings and money market account. During any monthly statement cycle, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, check card or similar order to a third party. We will use the date a transaction is completed by us (as opposed to the day you initiate it) to apply the frequency limitation. If you exceed these limits, we may close the account, impose a fee and/or change the account to a non- interest bearing demand deposit account. Additional transaction limitations on your particular account may apply. Please refer to your Truth in Savings Disclosure applicable to the account you have selected. We reserve the right to at any time require not less than seven (7) days’ notice in writing before each withdrawal from an interest-bearing account or from any other savings account as defined by Regulation

Important Information About Your Checking Account. What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check feesspecial handling fees for overdrafts and/or returned checks). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to a refund of the lesser of $2,500 or the amount of your refund the check (plus interest interest, if your account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 forty-five (45) calendar days after we received your claim. We The Bank may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Financial Federal Bank at 0-000-000-0000 Xxxxx Xxxxxxx Driveor write to us at Westamerica Bank, Suite 100 MemphisP. O. Box 1200, TN 38120 000.000.0000 MAC B-1N, Suisun City, CA 94585. Hearing- or speech-impaired clients may use TDDs to contact our Customer Service Department at 1-800-TDD-1088 (0-000-000-0000). You must contact or write to us within 40 forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We The Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:: • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check and the following information to help us identify the substitute check: the check number; the name of the person to whom you wrote the check; and the amount of the check.

Important Information About Your Checking Account. What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check feesspecial handling fees for overdrafts and/or returned checks). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to a refund of the lesser of $2,500 or the amount of your refund the check (plus interest interest, if your account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 forty-five (45) calendar days after we received your claim. We The Bank may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Financial Federal Bank at 0-000-000-0000 Xxxxx Xxxxxxx Driveor write to us at Westamerica Bank, Suite 100 MemphisP. O. Box 1200, TN 38120 000.000.0000 MAC B-1N, Suisun City, CA 94585. Hearing- or speech-impaired clients may use TDDs to contact our Customer Service Department at 1-800-TDD-1088 (0-000-000-0000). You must contact or write to us within 40 forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We The Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:: • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check and the following information to help us identify the substitute check: the check number; the name of the person to whom you wrote the check; and the amount of the check. Electronic Fund Transfer Services This section describes the Bank’s account-related electronic banking services, and provides the terms applicable to these services. In general, these services provide ways to transfer funds electronically to and from your account, including by using an ATM Card or ATM / Debit Card linked to the account, including with use of a Personal Identification Number (PIN). The Bank may limit the availability of these services at any time, and all of these services may not be available at each Bank location. The Bank may require you or the cardholder to sign or agree to Additional Documentation to obtain these services. The Bank may, in its sole discretion, limit the availability of electronic banking services as it considers appropriate. Some provisions in this section are marked as applicable to consumer accounts only. This shows which provisions of this section do not apply if your account is not a “consumer account” as defined under the Electronic Fund Transfer Act (EFTA) or (b) the particular transaction is not covered by the EFTA. Your “ATM Card” and Your “ATM/Debit Card” An “ATM Card” is an access device that may be used at a Westamerica ATM and at other compatible ATM networks. An “ATM/Debit Card” is an ATM Card that can be used at these ATMs and also at participating merchants (including on-line) for point-of-sale transactions. In this section, the Westamerica Bancorporation ATM Card and the ATM/Debit Card may both be referred to as “card,” unless otherwise specifically described.