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Personal BankingSCHEDULE OF FEESAND CHARGESPERSONAL BANKINGCHECKING, SAVINGS, SAFE DEPOSIT BOXESAND MISCELLANEOUS FEESYour Community Banker

These consumer accounts are available to individualsthat establish the account primarily for personal, familyor household purposes.Refer to our Deposit Agreement and Disclosure andour Savings and Investments rate sheet for additionalterms, conditions and fees that apply to your account.Fees are subject to change. Visit a local branch, contactus at 1-800-848-1088, or visit Westamerica.com for ourcurrent fee schedule.2

VALUE CHECKINGMinimum Opening Deposit: 100.00Service Charge: 4.00 per monthMinimum Balance Required to Avoid Monthly Service Charge:A monthly service charge is imposed if the balance in theaccount falls below 1,500 any day of the statement cycle,or if the average daily balance for the statement cycle fallsbelow 3,000.No Direct Deposit Fee:The account must have a minimum of one (1) direct depositper statement cycle. A qualifying direct deposit is an ACHcredit not including transfers from one Westamerica accountto another. A fee of 4.00 is imposed every statement cyclethe account does not have a qualifying direct deposit.Minimum ATM or Debit Card Purchase Transactions Not Met Fee:The account must have a minimum of five (5) ATM orDebit Card purchase transactions per statement cycle. Aqualifying ATM or Debit Card purchase transaction is asignature or PIN-based transaction and does not includecash withdrawals or deposits. A fee of 4.00 is imposedevery statement cycle the account does not have theminimum required purchase transactions.No eStatement Fee:Electronic Statement (eStatement) delivery is required. A feeof 4.00 is imposed every statement cycle the account is notenrolled in eStatements.INTEREST CHECKINGMinimum Opening Deposit: 200.00Service Charge: 14.00 per monthMinimum Balance Required to Avoid Monthly Service Charge:A monthly service charge is imposed if the balance in theaccount falls below 2,500 any day of the statement cycle,or if the average daily balance for the month falls below 5,000.This is an interest bearing account. Refer to “InterestBearing Accounts” for details.POS Fee:A flat fee of 2.00 is imposed each statement cycle if balancerequirements to avoid the monthly service charge are notmet and point-of-sale ATM/Debit Card purchases are madeusing your Personal Identification Number (PIN). Otherparties may assess additional fees for transactions made attheir ATMs or terminals.No eStatement Fee:Electronic Statement (eStatement) delivery is required. A feeof 4.00 is imposed each statement cycle the account is notenrolled in eStatements.Fees for additional account services may apply. Refer to“Additional Account and Service Fees” for details.3

SIGNATURE ACCOUNTMinimum Opening Deposit: 200.00Service Charge: 20.00 per monthMinimum Balance Required to Avoid Monthly Service Charge:A monthly service charge is imposed unless you have acombined balance of 5,000 in your Signature Accountand one linked savings or Money Market Savings, or youmaintain a balance of 10,000 in one linked non-IRACD. Your combined balance is calculated by adding yourSignature Account balance at the end of your statementcycle to your related account balance as of one business dayprior to the end of your statement cycle.Linking Accounts for Balances:If you want to link an account to meet the balance requiredto avoid the monthly service charge on your SignatureAccount, you must tell us what account you want linkedto your Signature Account. We do not automaticallylink accounts. The account can only be linked to onechecking account for pricing. Some restrictions applyto which accounts may be linked. You may link savings,Money Market Savings and non-IRA CD accounts to yourSignature account. At least one of the owners of the linkedadditional account must also be an owner of the checkingaccount. You may not link personal and business accountstogether and you may not link custodial accounts such asUTMA accounts for pricing. Standard terms and fees applyto the linked account.This is an interest bearing account. Refer to “InterestBearing Accounts” for details.No eStatement Fee:Electronic Statement (eStatement) delivery is required. A feeof 4.00 is imposed each statement cycle the account is notenrolled in eStatements.Non-Westamerica ATM Withdrawals:Westamerica will not impose a Network ATM fee forwithdrawals made at any non-Westamerica ATM if thebalance requirement to avoid the monthly service chargeis met. Otherwise a fee of 2.50 per withdrawal may beimposed at the end of your statement cycle. Other partiesmay assess additional fees for transactions made at theirATMs or terminals.This account features these additional benefits: Signature Protection Identity Theft and Fraud prevention. Free personal size safe deposit box or a 45.00 discounton a larger box. No annual fee for Extra Cash Overdraft Protection Lineof Credit. Not available to trust accounts. An applicationis required and is subject to credit approval. See the ExtraCash Agreement and Disclosure for more details. Up to three (3) free cashier’s checks per month and freestandard Westamerica checks.Fees for additional account services may apply. Refer to“Additional Account and Service Fees” for details.4

PREMIER PLUS 100.00Minimum Opening Deposit:Premier Plus Membership Dues: 8.00 per monthAccount Eligibility:For those aged 50 or better.This is an interest bearing account. Refer to “InterestBearing Accounts” for details.No eStatement Fee:Electronic Statement (eStatement) delivery is required. A feeof 4.00 is imposed each statement cycle the account is notenrolled in eStatements.This is a packaged account which features these additionalbenefits: Free personal size safe deposit box for one (1) year or a 45.00 discount on a larger box. Up to three (3) free cashier’s checks per month and freestandard Westamerica checks.See the Premier Plus brochure for additional informationand a complete list of member benefits.Fees for additional account services may apply. Refer to“Additional Account and Service Fees” for details.5

REGULAR SAVINGSMinimum Opening Deposit: 100.00Service Charge: 5.00 per monthMinimum Balance Required to Avoid Monthly Service Charge:A monthly service charge is imposed if the average dailybalance for the month falls below 500.This is an interest bearing account. Refer to “InterestBearing Accounts” for details.Excessive Withdrawal Fee:A fee of 5 is imposed for each transfer and withdrawal thatexceeds three (3) per month.No eStatement Fee:Electronic Statement (eStatement) delivery is required. A feeof 4.00 is imposed each quarter the account is not enrolledin eStatements.HOLIDAY CLUBMinimum Opening Deposit: 20.00Service Charge:NoneMinimum Monthly Deposit Required:A minimum of 20 automatically transferred from adesignated Westamerica Bank checking or savings account isrequired each month.Maturity and Renewal:The balance plus interest will be transferred to your designatedaccount each November. This account will automatically renew.This is an interest bearing account. Refer to “InterestBearing Accounts” for details.MONEY MARKET SAVINGSMinimum Opening Deposit: 1,000.00Service Charge: 10.00 per monthMinimum Balance Required to Avoid Monthly Service Charge:A monthly service charge is imposed if the balance in the accountfalls below 2,500 any day of the statement cycle.This is an interest bearing account. Refer to “InterestBearing Accounts” for details.Excessive Withdrawal Fee:A fee of 15 is imposed for each transfer and withdrawalthat exceeds six (6) per statement cycle.POS Fee:A flat fee of 2.00 is imposed each statement cycle if balancerequirements to avoid monthly service charge are not met andpoint-of-sale ATM/Debit Card purchases are made using yourPersonal Identification Number (PIN). Other parties may assessadditional fees for transactions made at their ATMs or terminals.No eStatement Fee:Electronic Statement (eStatement) delivery is required. A feeof 4.00 will be imposed each statement cycle the account isnot enrolled in eStatements.Fees for additional account services may apply. Refer to“Additional Account and Service Fees” for details.6

BALANCE TO AVOID SERVICE CHARGE The average daily balance is calculated by adding theprincipal in the account for each day of the period anddividing that figure by the number of days in the period. The minimum daily balance is the minimum principalbalance that is in the account at the end of a business dayduring the period.INTEREST BEARING ACCOUNTSDaily Balance Method:We use the daily balance method to calculate the interest onyour account. This method applies a daily periodic rate tothe principal in the account each day.Variable Tiered Rate:The interest rate and annual percentage yield on youraccount are disclosed on the Savings and Investments ratesheet. Your interest rate and annual percentage yield maybe as low as 0.00%. The interest rate and annual percentageyield may change. At our discretion, we may change theinterest rate on your account at any time and withoutnotice. As this is a tiered rate account the applicable rate tierwill apply to the entire daily balance in your account.Accrual, Compounding and Crediting:Interest Bearing Checking and Money Market SavingsAccounts: Interest begins to accrue no later than thebusiness day we receive credit for the deposit ofnoncash items (for example, checks). Interest will notcompound and will be computed on a simple interest,three hundred sixty-five (365) day basis (three hundredsixty-six (366) day basis during leap years). Interest willbe credited monthly. If you close your account beforeinterest is credited, you will not receive the accruedinterest.Interest begins toaccrue no later than the business day we receive creditfor the deposit of noncash items (for example, checks).Interest will be compounded daily using a three hundredsixty-five (365) day basis. Interest will be credited toRegular Savings accounts on a quarterly basis. Interestwill be credited to Holiday Club accounts on an annualbasis when the balance is transferred. If you close youraccount before interest is credited, you will not receivethe accrued interest.Regular Savings and Holiday Club Accounts:7

ADDITIONAL ACCOUNT AND SERVICE FEESACCOUNT STATEMENT 5.00 eachSubject to a research fee when warrantedCopy of Account Statement 2.00 per statement cycleper accountImage StatementNot available for all account types.Instant Statement 2.00 per requestSpecial Statement 4.00 per requestATM/DEBIT CARDThe fees below are charged by Westamerica Bank. Otherparties may assess additional fees for transactions made attheir ATMs or terminals.3% of U.S. dollartransaction amountInternational TransactionsThis fee applies to transactions denominated in U.S. Dollarsor foreign currency that are identified by the processingnetwork as being conducted outside the United States. Thisfee may also apply if an internet transaction is made inthe United States but with a merchant who processes thetransaction outside the United States.Mini-statement 1.00 per requestReplacement Fee 5.00 per requestExpedited Delivery Fee 25.00 per requestNetwork ATM FeeFor use of any non-Westamerica ATMWithdrawal 2.50 per withdrawalInquiry 2.00 per inquiryCOLLECTION AND EXCHANGECoin Bag Verification 6.00 per bagCollections 25.00 per itemCoupon Collections 30.00 per envelopeDocumentary Drafts 25.00 per itemPromissory Notes 40.00 per itemELECTRONIC SERVICESNo chargeStarConnect Plus Online Bankingand Bill PayMobile Deposit, per statement cycleDeposited Items 1-3Deposited Items 4 8No charge 0.50 each