Business Banking | Amegy Bank

BUSINESS BANKING

Bank be nimble.

Bank be quick.

Here, You Grow

TM

Business can change in an instant.

Have solutions available just as fast.

1

amegybank.com

Business Banking

Amegy Bank helps local businesses thrive every year. Across all sectors and industries.

These business owners and entrepreneurs are coming to us not just for money, but for our more than 30 years’ worth of business banking experience and knowledge of our local markets—and the industries that drive it. They’re also coming to us for our ability to provide direct access to decision makers, recommend customized solutions, and implement them quickly.

It is this experience, service, product customization and commitment to local businesses that sets Amegy apart.

And will best set you up for long-term success.

There are lots of account options out there.

The most popular are in front of you here.

3

amegybank.com

Checking & Savings Different is good. In business and in banking. It’s why we offer you several ways to structure your checking and savings accounts.

You can control opening balance and minimum balance requirements, interest rates, fees—even the kind of statement you receive.

Checking Primary Business Checking Accounts Keep your business moving with accounts built to make your banking simple Business Checking with Interest Accounts Earn interest on your account balances Specialty Business Checking Accounts A specialized account for non-profit organizations

With so many options available to you, you can align the various account features and benefits to your business’ unique needs and goals.

Savings

And the better your decisions align with your goals, the more likely you’ll achieve them.

Business Money Market Accounts Offering competitive tiered interest rates with flexible access to your funds

Business Savings Accounts Traditional savings

Certificates of Deposit Maximize your savings for a fixed period of time Depending upon the account type you choose, benefits may include: • Debit Card • Online Banking1 • Digital Payments

• e-Documents2 • Mobile Banking1 • Mobile Check Deposit3

1 Online Banking & Mobile Banking – Mobile Banking requires download of the smartphone or tablet version of the Amegy Bank App from the Apple® App Store, Google Play®, or Samsung Galaxy® App Store. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Business Bill Pay has no monthly service fee. Subject to the terms and conditions of the Business Online Banking services agreement.

2 To avoid the Paper Statement Fee of $2, you must enroll in Online Banking, and opt your account out of receiving paper statements. You may opt to receive either electronic or paper account notices and tax documents at no additional cost. If multiple accounts are linked in a combined statement, you must have opted your primary account out of receiving paper statements.

3 Take a picture of your check deposit and submit through your mobile phone. Limits apply: see table “Mobile Check Deposit Limits” above. Message and data rates from your wireless provider may apply. Requires download of Mobile Banking App, enrollment in Mobile Banking.

4

The surest way to go from seeing opportunity to seizing opportunity.

5

amegybank.com

Financing & Credit1 Having quick and easy access to money is essential for any business wanting to grow and to be able to answer the door every time opportunity knocks. That’s why we provide our clients with direct access to decision makers. And help them put together the smartest financial packages available. As quickly as possible. It’s why the number of businesses coming to Amegy Bank for financing solutions is growing by the day. And with each and every opportunity.

Financing Options Lines of Credit Term Loans Real Estate Financing • Owner-occupied Real Estate Financing • Multifamily and Commercial Real Estate Financing • Residential Development

Credit Cards Equipment Financing2 • Equipment Term Loans • Equipment Finance Line Small Business Administration (SBA) Loans • SBA 7(a) Loans • SBA 504 Loans Specialty Lending • Factoring • Asset Based Lending

Specialty Banking & Financing1 There are certain business sectors where Amegy Bank has particular proficiencies in providing robust financial solutions. If you do business in any of the business sectors listed, we welcome the opportunity to discuss your specific banking needs and, together, develop the solution that works best for your organization.

Business credit cards offering rewards Business credit cards offering cash back Business credit cards offering our lowest rates Commercial credit cards

Business Sector Experience Non-Profit Banking and Financing Family Business Banking and Financing Energy Financing Municipal Finance and Government Banking Municipal Underwriting3 Marine Financing Automotive Dealership Financing

1 Loans are subject to credit approval. Terms and conditions apply.

2 Certain criteria apply. See a specialist for details. Equipment lease financing is offered through Zions Credit Corporation, a subsidiary of Zions Bancorporation, N.A. 3 Municipal underwriting services offered by the bank dealer department of Zions Bancorporation, N.A.

Equal Housing Lender | SBA Preferred Lender | NMLS# 467014

6

Better financial controls for better control of your business.

Treasury Management Typically, payables and receivables are the Achilles’ heel of businesses. Without proper controls or monitoring, they can restrict cash flow. Affect your ability to borrow. Expose you to fraud. Unbalance your balance sheet.

Seasoned and savvy, our treasury management specialists will provide valuable insight to your specific business—and opportunities for operational improvement. Better still, all these services are available to you through Treasury Gateway,® our online portal that combines all your treasury management login credentials into one place, allowing you access to multiple services simultaneously.

Information Management

Receivable Solutions

Payable Solutions

Treasury Internet Banking

Merchant Services by First Data Merchant Services, LLC1

ACH Disbursement2

Mobile Banking Automated File Transmission Account Reconciliation Treasury Gateway

Remote Deposit Capture2 e-Invoicing and Payments Cash Vault Lockbox

Invoice to Pay Electronic Funds Transfers Commercial Credit Card Payroll Cards

ACH Collections2

Certain treasury management products and services may be subject to credit approval, contract and fees. Talk to a treasury management specialist for details.

1 All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Merchant Services products and services are provided by First Data Merchant Services LLC and not by Amegy Bank, a division of Zions Bancorporation, N.A. 2 Subject to approval.

3 Agreement applies. Fees may apply. See a treasury management representative for details.

7

amegybank.com

Fraud Prevention Tools

Capital Management

Payee Positive Pay3

Controlled Disbursements

ACH Positive Pay3

Zero Balance Accounting Investment Sweep4 Loan Sweep

4

Investment products available at select Zions Bancorporation, N.A. locations are NOT insured by FDIC or any other governmental agency, are NOT deposits or other obligations of, or guaranteed by Zions Bancorporation, N.A. or its afďŹ liates, or any other bank, and MAY be subject to investment risks, including the possible loss of principal value or amount invested.

8

Compete in the global economy.

And win.

Global Banking Taking your business global is no easy task. Exciting for sure, but fraught with challenges. It’s because of those challenges that you’ll want the experience and guidance of Amegy.

Here, you’ll work with our global banking specialists who can support your overseas expansion by helping you manage currency risk and international sales payment risk, provide working capital, and improve profitability and stability - all through a sophisticated array of global trade and foreign exchange tools.

You’ll be ready to take on the world.

Foreign Exchange Services

Trade Services and Financing

Online Trade Portal

Spot Contracts

Standby Letters of Credit

Window Forward Contracts

Import Letters of Credit

Import/Export Letters of Credit

Participating Forwards

Export Letters of Credit

International Money Transfers

Documentary Collections

Forward Contracts

Trade Payable Financing

Nondeliverable Forwards

Ex-Im Bank Programs

Documentary Collections Balance Reporting

Currency Notes

Foreign Exchange transactions can involve a variety of potential risks, depending on the specific type of transactions and foreign currency. Before entering into any foreign exchange transaction, you should carefully consider whether the transaction is appropriate for you in light of your experience, objectives, financial and operational resources and other relevant circumstances. Some services may be subject to credit approval.

9

amegybank.com

It doesn’t have to end here.

Call, visit our website or come in and speak to an Amegy banker today.

(800) 287-0301

amegybank.com

Come in

Here, You Grow

TM

SBA Preferred Lender

A division of Zions Bancorporation, N.A. Member FDIC Š 2020 Zions Bancorporation, N.A.