Business Checking & Savings Options

BUSINESS BANKING

Accounts for your unique business needs.

Checking & Savings Options

Here, You Grow

TM

Welcome to Amegy Bank.

We know that meeting your business financial goals isn’t about just one transaction. That is why, as a relationship bank, we make every effort to get to know you and to understand not just your business, but where you want your business to go. The better we know what you want to accomplish, the better we can help you prepare financially.

No two businesses are alike, so we want to give you the flexibility to bank in a way that enables you to seize business opportunities quickly and be prepared for the unexpected demands and challenges that your business could face. Homegrown, we’ve worked hard and listened well to earn the trust and confidence of Texas business owners, like yourself, for more than 30 years. That is why “Here, you grow.”

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Business Banking

Business Checking Accounts Business Inspire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Business Growth . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Business Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Business Connect. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Community Checking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Treasury Management Select. . . . . . . . . . . . . . . . . . . . . . 4 Savings and Money Market Accounts Business Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Business Money Market . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Business Money Market Sweep. . . . . . . . . . . . . . . . . . . . 5

CONTAC T US 24-Hour Automated Telephone Banking Dallas: 214-754-9500 Houston: 713-235-8810

San Antonio: 210-343-4500 Toll Free: 800-287-0301

To speak to a Customer Service Representative, please reference the following business hours: Monday – Saturday: 7:00 a.m. – 9:00 p.m. (CST)

BUSINESS BANKING

Checking Accounts

Each of our business checking account options was created to provide a unique set of business benefits. But all of them come with proven time and money-saving features that enable you to easily and more efficiently manage your money whenever you want and from wherever you want.

Business Inspire®

Business Growth

Keep your business moving with a checking account built to make your banking simple.

Keep your business growing with more generous monthly transaction and cash deposit limits.

F E AT U R E S A N D B E N E F I T S * : • $50 minimum opening deposit • Make up to 50 transactions per statement cycle at no charge1 • Deposit up to $3,000 in cash per statement cycle without a fee • Manage your finances with Business Online Banking with Bill Pay2 • Deposit checks digitally with Mobile Check Deposit3 • Go paperless with eStatements or eNotices4

M O N T H LY M A I N T E N A N C E F E E : $ 8

Ways to avoid monthly maintenance fee per statement cycle:-11, 11a - Maintain a minimum daily balance of at least $1,000 OR - Conduct $1,000 or more in transactions (debits or credits) per statement cycle13

Business Interest

F E AT U R E S A N D B E N E F I T S * : • $50 minimum opening deposit • Make up to 250 transactions per statement cycle at no charge1 • Deposit up to $15,000 in cash per statement cycle without a fee • Receive a 50% discount on your first order of checks (up to $50) placed with Amegy Bank • Manage your finances with Business Online Banking with Bill Pay2 • Deposit checks digitally with Mobile Check Deposit3 • Go paperless with eStatements or eNotices4 • Access to Treasury Management Solutions6

M O N T H LY M A I N T E N A N C E F E E : $ 1 5

Ways to avoid monthly maintenance fee: 11, 11a, 11c - Maintain a minimum daily balance of at least $2,500 OR - Maintain a minimum of $10,000 in business loan, line of credit and/or credit card balances5

Earn interest on business checking balances while enjoying generous transaction limits.

F E AT U R E S A N D B E N E F I T S * : • $50 minimum opening deposit • Earn interest on your checking account balance7 • Earn premium interest rates on linked Business Savings, money market and Premium CD accounts8 • Make up to 250 transactions per statement cycle at no charge1 • Deposit up to $15,000 in cash per statement cycle without a fee

• No monthly maintenance fee for additional Savings and Money Market accounts linked to your account9 • Manage your finances with Business Online Banking with Bill Pay2 • Deposit checks digitally with Mobile Check Deposit3 • Go paperless with eStatements or eNotices4

M O N T H LY M A I N T E N A N C E F E E : $ 1 5

Ways to avoid monthly maintenance fee: 11, 11a - Maintain a minimum daily balance of at least $3,500

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For additional applicable disclosures, please refer to page 6

Business Connect

Community Checking

Give your business an edge with access to our experienced banking team and a host of tools designed to help make your business more efficient and effective.

An exceptional value, Community Checking is exclusively for our Nonprofit Organizations. (IRS 501(C)(3), 501(C)(4) or 501(C)(6) designation is required)

F E AT U R E S A N D B E N E F I T S * :

F E AT U R E S A N D B E N E F I T S * :

• $50 minimum opening deposit • Earn premium interest rates on eligible Savings and Money Market accounts8 • Make up to 400 transactions per statement cycle at no charge1 • Deposit up to $15,000 in cash per statement cycle without a fee • Receive a 50% discount on your first order of checks (up to $75) placed with Amegy Bank • No monthly maintenance fee for additional Savings or Money Market accounts linked to your account9 • Manage your finances with Business Online Banking with Bill Pay2 • Deposit checks digitally with Mobile Check Deposit3 • Go paperless with eStatements or eNotices4 • Add an optional Business Money Market Sweep account to help maximize your earnings12 • Access to Treasury Management Solutions6

• $50 minimum opening deposit • Earn premium interest rates on linked Business Savings, money market and Premium CD accounts8 • Make up to 350 transactions per statement cycle at no charge1 • No fee for cash deposits • Manage your finances with Business Online Banking with Bill Pay2 • Deposit checks digitally with Mobile Check Deposit3 • Go paperless with eStatements or eNotices4 • No fee for two (2) outgoing online domestic wire transfers per statement cycle • Access to Treasury Management Solutions6

M O N T H LY M A I N T E N A N C E F E E : $ 2 0

Ways to avoid monthly maintenance fee per statement cycle:11, 11b, 11c - Maintain a combined deposit balance of $10,000 (business account types only) OR - Maintain a minimum of $50,000 in business loan, line of credit and/or credit card balances5 OR - Pay a minimum amount of $50 for other qualified cash management services per statement cycle

M O N T H LY M A I N T E N A N C E F E E : $ 1 5

Ways to avoid monthly maintenance fee per statement cycle: - Maintain a combined deposit balance of at least $1,000 OR - Maintain a combined deposit and consumer loan balance of $10,000 (business account types only) OR - Pay a minimum of $50 for other qualified cash management services per statement cycle

Treasury Management Select Select only the cash management services you want and need, at a price to fit your budget.

C H O O S E F R O M A VA R I E T Y O F S E R V I C E S I N C L U D I N G : • Includes up to 3 Business Checking Accounts • Remote Deposit Capture with Amegy Bank • Online access to account information and reporting with Treasury Internet Banking • International & Domestic Outgoing Wires

• Fraud protection with Positive Pay • Send money electronically to your own accounts, vendor’s accounts, or employees’ accounts • Discounts when enrolled in 2 or more eligible products 4

BUSINESS BANKING

Savings and Money Market Accounts

Descriptions of our savings and money market offerings appear below. Each FDIC-insured, interest-bearing account is designed to help you protect and grow your money.

Business Savings

Business Money Market

Ideal for customers who want a traditional savings account with a low minimum balance requirement.

Ideal for customers who want to earn a competitive, tiered interest rate on account balances while having flexible access to their funds.

F E AT U R E S A N D B E N E F I T S * : • • • • • • • • •

$100 minimum opening deposit No minimum balance requirement to earn interest Transaction limits apply10 Variable rate of interest, compounded daily, paid monthly7 Make up to 50 deposit transactions per statement cycle without a fee Deposit up to $15,000 in cash per statement cycle without a fee Earn premium rates with a qualifying checking account8 Manage your finances with Business Online Banking with Bill Pay2 Go paperless with eStatements or eNotices4

M O N T H LY M A I N T E N A N C E F E E : $ 5

F E AT U R E S A N D B E N E F I T S * : • • • • • • • • •

$1,000 minimum opening deposit No minimum balance requirement to earn interest Transaction limits apply10 Variable rate of interest, compounded daily, paid monthly7 Make up to 50 deposit transactions per statement cycle without a fee Deposit up to $15,000 in cash per statement cycle without a fee Earn premium rates with qualifying checking account8 Manage your finances with Business Online Banking with Bill Pay2 Go paperless with eStatements or eNotices4

Ways to avoid monthly maintenance fee:11, 11a

M O N T H LY M A I N T E N A N C E F E E : $ 1 2

- Maintain a minimum daily balance of $500 OR - Link to a qualified business checking account9

Ways to avoid monthly maintenance fee:11, 11a - Maintain a minimum daily balance of at least $2,500 OR - Link to a qualified business checking account9

Business Money Market Sweep Designed for businesses with excess cash, typically less than $100,000, and have limited sweep transactions from money market to checking.

F E AT U R E S A N D B E N E F I T S * : • A primary business checking account (any type) is required12 • Variable rate of interest, compounded daily, paid monthly7 • Conduct up to 6 transfers out of the account per statement cycle without a (sweeps) fee10

• Funds in Business Money Market Sweep account are automatically transferred (swept) from/to the checking account as needed when the balance in the account drops below preset amounts

M O N T H LY M A I N T E N A N C E F E E : $ 4 0 5

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For additional applicable disclosures, please refer to page 6

Important Information Mobile Check Deposit Limits Relationship Age

0 – 179 Days

180+ Days

Daily Deposit Limit

$7,500

$10,000

Rolling 30 Days’ Cumulative Deposit Limit

$15,000

$20,000

Important Account Disclosure Trademarks: Trademarks used are registered and owned by their owners and Amegy Bank does not claim any ownership or exclusive rights to the use of these trademarks. * Refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet, and the Business Schedule of Fees, or speak with a banker for more details.

1. Transaction: A transaction is a combination of debited items (withdrawals) credited items (deposits) and deposited items per statement cycle, and includes the following: Credits - any deposit into the account Debits - any withdrawal such as check, draft, ACH or other debit against the account Deposited items - each individual item that comprises a deposit such as a check or other item deposited 2. Online and Mobile Banking with Bill Pay: 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.

3. Mobile Check Deposit– 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. 4. eDocuments – 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.

5. Credit Cards and Loans – Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply. Loans - All loans are subject to credit approval; terms and conditions apply. See an Amegy banker for details.

6. Treasury Management Solutions – Includes Positive Pay (fraud protection), Remote Deposit Capture Amegy Bank, E-Invoicing and Payments (electronic invoicing and payment portal), ACH services, Payroll Services, Lockbox, Investment Sweep account options (which may require a minimum account balance) and more. See Treasury Management for product details and schedule of fees.

Certain Treasury Management Services may require credit approval; contract may also apply.

7. Interest – Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected balance in the account each day. Annual Percentage Yield (APY) is variable and may change after account is opened. Other fees may apply and may reduce earnings. Contact an Amegy banker for details.

savings and business money market accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. For certificates of deposit, separate account opening of the Premium Business Certificate is required to earn premium interest rates. For rate information please see the Deposit Rate Sheet.

9. Linked Account Benefit – Monthly maintenance fees are waived on linked business savings and business money market accounts when the primary owner of the Business Connect or Business Interest Checking account is also an owner on the linked account.

10. Excessive Savings or Money Market Withdrawals – Federal banking regulations allow up to six (6) withdrawals by check, debit card, or pre-authorized, telephone, or computer transfer to another account or third party during a monthly statement cycle. However, you may make an unlimited number of withdrawals from your account in person, by ATM, or by mail. An excessive withdrawal fee of up to $20 is assessed if you exceed your withdrawal limits during a monthly statement cycle.

If the above limits are exceeded three (3) times in a twelve (12) month period, the account will be closed or changed to a different type of account.

11. In order to avoid a monthly service fee, the balance requirement must be met.

The monthly service fee amount is provided as part of the disclosures upon account opening. a. Minimum Balance: If your daily balance drops below the minimum balance requirement, then a monthly service fee will be assessed. b. Combined Deposit Balance: The combined deposit balance is calculated on the day prior to the statement date for the following linked consumer accounts: Checking, Savings, Money Market, CD, and IRA. The primary owner of the checking account must be an owner on all linked accounts. c. Combined Loan Balance: The combined outstanding loan balance is calculated on the day prior to the statement date for the following personal loans: Auto, Credit Card, Credit Lines, Home Equity, Home Refinance, and Installment loans.

Mortgage loans are not included. All loans are subject to credit approval; terms and conditions apply. The primary owner of the checking account must be a borrower on all linked accounts.

12. See your Amegy Bank Relationship banker for details.

13. Activity-Based Waiver - For the Business Inspire checking account, monthly Service requirements may be met by conducting $1,000 in transactions, defined as debits and credits. Debits and credits may come in the form of cash deposits or withdrawals, ACH, checks, online transfers, or debit card transactions.

8. Premium Rate Tier – Premium rate tiers are applied automatically to business

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It doesn’t have to end here.

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

(800) 287-0301

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Here, You Grow

TM

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