Bank of the West Brand Guidelines by Cheryln Quan

BANK OF THE WEST BRAND GUIDELINES

UPDATED SEPTEMBER 2013

TABLE OF CONTENTS I ntroduction.. .............................................................. 3 Bank of the West Brand Positioning.. .................................. 4 BANK OF THE WEST elements Typography.............................................................. 6 Headlines.. .............................................................. 7 Subheads...............................................................11 Bullets.. .................................................................12 Body Copy.. ............................................................ 13 Brand Body Copy.. .................................................... 14 Legal Copy.. ........................................................... 15 Brand Line..............................................................16 Imagery.. ............................................................... 18 Hispanic Considerations........................................... 20 Logos and Brand Bar.. ................................................21 Bank of The West BRAND EXECUTIONS Brand Tone.. ........................................................... 28 In-Branch Posters.. .................................................. 29 Billboards.. ............................................................ 30 Broadcast.. .............................................................31

SME....................................................................... 32 Consumer.. ............................................................ 43 COMMERCIAL.. ......................................................... 56 WEALTH MANAGEMENT.. ............................................ 68 BANCWEST INVESTMENT SERVICES............................ 81

INTRODUCTION

Every Bank of the West communication is a reflection of our brand. To build and maintain a solid brand, it is essential that all of our marketing materials work in concert. That is why we have created these helpful Brand Guidelines. They provide the information you need to deliver a marketing message that is clear, impactful and consistent. If you have questions, please contact Marketing at brand@bankofthewest.com.

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Bank of the west: BRAND positioning

OUR PROMISE: Our customer is at the core of everything we do. OUR POINT OF VIEW: We believe that the West and its people are exceptional and that the spirit of optimism and opportunity that originally drove people West is alive and well today. OUR PERSONALITY: Reflective of modern Western values: open, straightforward, entrepreneurial, optimistic.

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Bank of the west ELEMENTS

BANK OF THE WEST: TYPOGRAPHY GARAGE GOTHIC BOLD – headLines & subheads

ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890 !@#$%^&*( ) GARAGE GOTHIC REGULAR – BULLETS & BODY COPY

ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890 !@#$%^&*( )

6 TRADE GOTHIC CONDENSED NO. 18 – BROCHURES

ABCDEFGHIJKLMNOPQRSTUVWXYZ

abcdefghijklmnopqrstuvwxyz 1234567890 !@#$%^&*() HELVETICA NEUE 47 LIGHT CONDENSED – LEGAL

ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890 !@#$%^&*()

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BANK OF THE WEST: headlines

TYPEFACE Garage Gothic Bold, all capital letters.

GARAGE GOTHIC BOLD

TYPE SIZES The size of Headlines will vary depending on the document size. It should be approximately five times the Bank of the West Logo cap height. All numbers and/or symbols should fall on the same baseline and be the same cap height as the letters. (For example, the “$” symbol in the typeface exceeds the cap height of the letters and should be manually reduced in size.) LINE SPACING To calculate line spacing of the Headline, multiply the point size of the type by 0.75; for example: 30 pt. type x 0.75 = 22.5 line spacing, 60 pt. type x 0.75 = 45 line spacing. TRACKING For the space between type, it can run anywhere from -10 to -25 depending on how big the Headline.

ABCDEFGHIJKLMNOPQRSTUVWXYZ 1234567890 !@#$%^&*( ) SIZE

5X Open any

DO’S

Open any new checking account and GET $100. The Headline should always follow correct line spacing and tracking rules.

DON’TS

Open any new checking account and GET $100. The Headline should never have line spacing tight enough so that the lines run into each other.

Open any new checking account and GET $100. The Headline should never have tracking tight enough so that the letters run into each other. Tracking should never exceed -10.

Open any new checking account and GET $100. The Headline should never have line spacing exceeding 1/6 of the cap height of the Headline.

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BANK OF THE WEST: headlines COLOR

TRANSPARENCY For all lines of business, whenever a Headline is being used over any kind of imagery, it should always be ideally 90% transparent white or ranging from 80% to 95%. Imagery should always be dark enough or adjusted so the white type is legible.

DOS

Appearance may vary depending on tone of imagery being used. When a Headline is being used over a solid color, it should be 100% white.

The Headline should always be 80% to 95% transparent over imagery.

Open any new checking account and GET $100. Open any new checking account and GET $100. The Headline should always be 100% transparent over a Color Bar.

DONâ&#x20AC;&#x2122;Ts

Open any new checking account and GET $100. The Headline should never be more than 80% transparent.

Open any new checking account and GET $100. The Headline should never be any other color other than white.

Open any new checking account and GET $100. The Headline should never have any drop shadows applied.

The Headline should never have any strokes or outlines applied to the type.

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rn optimism

BANK OF THE WEST: headline DO’s

HEADLINES SHOULD SUPPORT THE BRAND POSITIONING AND: • Be optimistic, open and straightforward • Express the brand voice and personality • Differentiate Bank of the West’s services and POV • Be another reason to “Go West” (meaning it ladders up to Go West) HEADLINE EXAMPLES

T:5.35” S:5.35”

$100 CAN

even dunks can be mile high in the west.

be the stArt of somethiNg beAutiful iN the West.

expresses a shared affinity or values The west isn’t only in our name, it’s in

the west as a Frames an offer within the brand positioning. Expressesora shared GO WEST. expresses philosophy mindaffinity set with a sponsorship.

out here, WorKING For YourSeLF DoeSN’t MeAN You’re ALoNe.

• Enjoy your $100 any way you'd like

bankofthewest.com

*Offer not available for existing Bank of the West checking customers with an open account as of 8/7/11. Offer valid for new personal checking accounts opened from 8/8/11–9/16/11 with a minimum checking account opening deposit of $100 or more, with funds new to Bank of the West. New personal checking account customers must establish a monthly direct deposit of $250+ each deposit (two or more direct deposits that add up to $250 do not qualify). Direct deposit must be payroll, Social Security, pension or other government benefit. The first 2 deposits must be posted to the account within 60 days of account opening. Bonus will be paid within 60 days of meeting requirements. Limit of one $100 bonus per address per 13-month period. Customers who received a bonus from Bank of the West between 7/6/10–8/7/11 are not eligible. Offer subject to change or termination without prior notice at the Bank’s discretion. Offer cannot be combined with any other offer and does not apply to second or multiple checking accounts. Accounts with a zero balance, overdrawn or closed at the time the bonus is awarded are not eligible. Any applicable taxes are the responsibility of the account holder. All accounts are subject to the Bank’s standard terms and conditions and fee schedule. © 2011 Bank of the West. Member FDIC.

Call out a product or service.

expresses values and POV

Expresses the brand positioning.

when life calls for life insurance, go west.

For commercial real estate lending and equipment Financing, go west.

• Our Private Client Advisors provide highly personalized and dedicated service.

• Business Equipment Loans as low as 4.10%(2)

• Competitive pricing on secured and unsecured Lines of Credit

• We can tailor a personalized suite of Banking, Investment, Trust and Estate Services to best fit your goals.

• A relationship-based approach to Business Banking

• We’re backed by BNP Paribas, one of the strongest banks* in the world, so you can invest with confidence.

bankofthewest.com Equal Housing Lender. ©2011 Bank of the West. Member FDIC. All offers effective October 3 – November 18, 2011. Offers subject to change at any time without prior written notice. Conditions and restrictions apply. Terms and conditions subject to change. All loan offers require automatic payments from a Bank of the West business checking account. Loans and leases are subject to credit approval. Other fees and restrictions may apply. Rates are subject to change and depend on terms. Offers valid for completed applications received between October 3 and November 18, 2011. (1) Current rate of 5.39% is as of October 3, 2011 and applies to BusinessLink owner-occupied commercial real estate with a 20 year term, 20 year amortization and up to $2 million. “Owner-occupied” is defined as occupying 51% or more of the space. Offer not available for some types of properties. (2) Current rate of 4.10% is as of October 3, 2011 and applies to BusinessLink equipment loans between $25,000 and $750,000 and with a 5 year term. Lease options are available.

Ask us about services to help your growing business.

• We work closely with your tax, legal and account advisors throughout the transition process. • We can help you understand the many factors that affect the valuation of your business.

Speak to a Private Client Advisor 1-877-898-1003 or visit bankofthewest.com/wm *Rated AA- by Standard & Poor’s as of October 14, 2011.

Equal Housing Lender. Deposit and loan products offered by Bank of the West. Loans subject to credit approval. ©2012 Bank of the West. Deposit and loan products offered by Bank of the West, Member FDIC. Bank of the West Wealth Management provides financial products and services through Bank of the West and its various affiliates and subsidiaries. Investments and annuities are offered through BancWest Investment Services, a registered broker/dealer and investment advisor, Member FINRA/SIPC. BancWest Investment Services is a wholly owned subsidiary of Bank of the West and part of the Wealth Management Group. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas. Annuities and insurance products are offered through BancWest Insurance Agency in California (License # 0C52321) and through BancWest Insurance Agency in Utah. Investment and Insurance Products are:

Represents the footprint.

Ask about a complimentary Life Insurance consultation today. • Our Private Client Advisors provide a high level of personal service.

OUT HERE, EQUIPMENT FINANCING IS MADE TO ORDER.

For Wealth Management services focused on getting the most out of all you’ve worked for, go west.

• 20-year fixed rate, owner-occupied Commercial Real Estate Loans as low as 5.39%(1)

represents the Our Financial Professionals will work with you to find footprint the right coverage to fitor yourservice. changing life. Call outinsurance a product

Expresses values and POV. We have the services and know-how to help you plan for a smooth business succession process.

Represents the footprint. S:10.5”

For a checking account that pays you $100*, go west. • Make a minimum initial deposit of $100 • Set up qualifying direct deposit of $250 or more per month*

Expresses the West as a philosophy or a mind-set.

T:10.5”

our DNA. That same western ambition to excel that drives the Buffs and the entire Pac-12, drives us too. As big fans, we’re proud to be their official bank. For business banking services including cash management, lines of credit and commercial real estate loans, go west.

retirement tends to be less tired in the west.

Business financing can Be a pleasure OuT Here.

NOT FDIC INSURED

NOT BANK GUARANTEED

MAY LOSE VALUE

NOT A DEPOSIT

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Investments and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC. Financial Professionals are registered representatives of BancWest Investment Services. Fixed annuities/ insurance products are offered through BancWest Insurance Agency in California (License # 0C52321) and through BancWest Insurance Agency in Utah. BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Investment, Annuity and Insurance products are: NOT INSURED by FDIC or ANY GOVERNMENT AGENCY, MAY LOSE VALUE, NOT A DEPOSIT, NOT GUARANTEED by Bank of the West.

Form # 810-01038 (09/11)

we develop equipment Financing strategies based on your company’s unique situation and needs. V1

BOW12025_WM_WSJprint_v1r1.indd

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NOTeS

LINKS

4 VERSIONS.

115742549_LR.pSd (RGB; 268 ppI; 55.93%), BOW_WM_BM_Q.aI (80.05%)

BANK OF THE WEST: headline DOn’ts Headlines shouldn’t: • Be generic • Be void of personality • Be unclear

Examples of Incorrect “voice” of headlines

open any checking account and recieve $100.

• no POV

GO WEST.

• no POV

No emotion or POV.

For a checking account that pays you $100*, go west.

Join us for cheyenne days.

• other banks can (and do) say things like this

Shoehorns in a product and no POV. We have the services and know-how to help you plan for a smooth business succession process.

• Make a minimum initial deposit of $100 • Set up qualifying direct deposit of $250 or more per month* • Enjoy your $100 any way you'd like

bankofthewest.com

emotion

WE OFFER LiFE insuRancE FOR EvERy stagE OF yOuR LiFE.

business succession solutions to KeeP it All in tHe FAMilY.

• shoehorns in a product

hey look, ght this page”

Shoehorns in a product and no POV. our Financial professionals will work with you to find the right banks insurance coverage to fit yourdo) changing Other can (and saylife.things like this.

• Our Private Client Advisors provide a high level of personal service. • We work closely with your tax, legal and account advisors throughout the transition process.

Proud sPonsor of the Pac 12.

Ask about a complimentary Life Insurance consultation today.

Investments and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC. Financial Professionals are registered representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Investment Services in AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, WA, WI, WY. BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Investment, Annuity and Insurance products are: NOT INSURED by FDIC or ANY GOVERNMENT AGENCY, MAY LOSE VALUE, NOT A DEPOSIT, NOT GUARANTEED by Bank of the West.

Form # 810-01036 (09/11)

• We can help you understand the many factors that affect the valuation of your business.

Speak to a Private Client Advisor 1-877-898-1003 or visit bankofthewest.com/wm

Equal Housing Lender. Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Member FDIC. Bank of the West Wealth Management provides financial products and services through Bank of the West and its various affiliates and subsidiaries. Investment and Insurance Products are:

NOT FDIC INSURED

NOT BANK GUARANTEED

MAY LOSE VALUE

NOT A DEPOSIT

• says “hey look, we bought this page” • void of emotion

Bank of the west is the proud sponsor

and a huge fan of cheyenne Frontier days. We were born and bred right here in the west

• no POV

and though we’ve grown to serve more than 700 locations across 19 states, we’ve never lost

Says “Hey, look we bought this page.” But void of emotion and no POV. touch with our pioneering roots. In fact, we’re

one of the leading agricultural lenders in the U.S.

It’s yet another reason to go west, Bank of the West. bankofthewest.com

The west isn’t only in our name, it’s in our DNA. That same western ambition to excel that drives the Buffs and the entire Pac-12, drives us too. As big fans, we’re proud to be their official bank. For business banking services including cash management, lines of credit and commercial real estate loans, go west.

Says “Hey, look we bought this page.” But void of emotion and no POV.

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©Bank of the West. Member FDIC. Equal Housing Lender. Loans subject to credit approval.

BANK OF THE WEST: SUBHEADS This treatment is to be used when calling out specific products, offers or features, and it applies to Subheads and Call-to-Action. TYPEFACE Garage Gothic Bold, sentence case TYPE SIZES Subheads may appear between 15 and 25 pts. LINE SPACING To calculate line spacing of the body copy, multiply the point size of the type by 1.25. For example: 16 pt type x 1.25 = approx. 20 pt line spacing. TRACKING Tracking should be -10. COLORs Primarily, Subheads should be white type over the Color Field or image.

11 GARAGE GOTHIC BOLD

ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890 !@#$%^&*( ) EXAMPLE: COLOR

For a checking account that pays you $100*, go west. For a checking account that pays you $100*, go west. EXAMPLE: wealth management

For a checking account that pays you $100*, go west.

The exception is with Wealth Management, which should be a 70% tint of black. For greyscale or newspaper, the Subhead should be the line of business color or 100% black over no color field.

EXAMPLE: greyscale

For a checking account that pays you $100*, go west. EXAMPLE: Consumer

For a checking account that pays you $100*, go west. Table of Contents

BANK OF THE WEST: BULLETS PRODUCTs/PROMOTIONs Product/Promotion bullets are used when describing further details of a product or offer. TYPEFACE Garage Gothic Regular, sentence case.

12 EXAMPLE: Consumer • Make a minimum initial deposit of $100 • Set up direct deposit of $250 or more per month

PMS=316 C C=100, M=0, Y=27, K=68 R=0 , G=79 , B=90 HEX=004F5A

WHITE

• Enjoy your $100 any way you'd like

TYPE SIZES Bullet copy may appear between 15 and 25 pts. The actual bullets should be 10% smaller than the letters. LINE SPACING To calculate line spacing of the bullets, multiply the point size of the type by 1.6; for example: 18 pt type x 1.6 = approx. 29 line spacing. There should be one space between the bullet and first letter; when type falls to the next line, it should align to the type, not the bullets.

EXAMPLE: SME • Make a minimum initial deposit of $100 • Set up direct deposit of $250 or more per month

WHITE

• Enjoy your $100 any way you'd like

EXAMPLE: COMMERCIAL • Make a minimum initial deposit of $100 • Set up direct deposit of $250 or more per month

TRACKING Tracking should be -10.

PMS=5405 C C=52, M=13, Y=3, K=45 R=71, G=117, B=143 HEX=47758F

PMS=8402 metallic C=50, M=43, Y=45, K=33 R=102, G=101, B=98 HEX=666562

WHITE

• Enjoy your $100 any way you'd like

EXAMPLE: WEALTH MANAGEMENT

COLOR All type and bullets should be 100% white for maximum legibility, with the exception of Wealth Management, which is 70% black (see pages 70 and 75 for examples).

• Make a minimum initial deposit of $100 • Set up direct deposit of $250 or more per month • Enjoy your $100 any way you'd like

EXCEPTIONS For Newspaper ads, bullets should be Garage Gothic Bold in 100% black over a white Color Field for increased legibility.

PMS=5575 C C=15, M=0, Y=10, K=20 R=177, G=197, B=193 HEX=B1C5C1 PMS=425 C=0, M=0, Y=0, K=70 R=255, G=255, B=255 HEX=6d6e71

Black and white • Make a minimum initial deposit of $100

100%K

• Set up direct deposit of $250 or more per month • Enjoy your $100 any way you'd like

WHITE

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BANK OF THE WEST: BODY COPY TYPEFACE Garage Gothic Regular, sentence case TYPE SIZES Body Copy may appear between 15 and 25 pts. LINE SPACING To calculate line spacing of the Body Copy, multiply the point size of the type by 1.0833. For example: 24 pt type x 1.0833 = approx. 26 line spacing, Body Copy should be justified, if possible. Words should never be hyphenated when breaking to the next line. TRACKING Tracking should be -10. COLOR When Body Copy is being used over a Color Field, it should should be 100% white for maximum legibility, with the exception of Wealth Management, which is 70% black (see pages 70 and 75 for examples). EXCEPTIONS For newspaper ads, Body Copy should be Garage Gothic Bold in 100% black over a white Color Field for increased legibility.

13 EXAMPLE: Consumer To qualify for your $100, open any checking account with a minimum opening deposit of $100 using funds new to Bank of the West. Then make two direct deposits of $250 or more within 60 days of opening the account.

PMS=316 C C=100, M=0, Y=27, K=68 R=0 , G=79 , B=90 HEX=004F5A

WHITE

EXAMPLE: SME To qualify for your $100, open any checking account with a minimum opening deposit of $100 using funds new to Bank of the West. Then make two direct deposits of $250 or more within 60 days of opening the account.

PMS=5405 C C=52, M=13, Y=3, K=45 R=71, G=117, B=143 HEX=47758F WHITE

EXAMPLE: COMMERCIAL To qualify for your $100, open any checking account with a minimum opening deposit of $100 using funds new to Bank of the West. Then make two direct deposits of $250 or more within 60 days of opening the account.

PMS=8402 metallic C=50, M=43, Y=45, K=33 R=102, G=101, B=98 HEX=666562

WHITE

EXAMPLE: WEALTH MANAGEMENT To qualify for your $100, open any checking account with a minimum opening deposit of $100 using funds new to Bank of the West. Then make two direct deposits of $250 or more within 60 days of opening the account.

PMS=5575 C C=15, M=0, Y=10, K=20 R=177, G=197, B=193 HEX=B1C5C1 PMS=425 C=0, M=0, Y=0, K=70 R=255, G=255, B=255 HEX=6d6e71

Black and white To qualify for your $100, open any checking account with a minimum opening deposit of $100 using funds new to Bank of the West. Then make two direct deposits of $250 or more within 60 days of opening the account.

100%K WHITE

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BANK OF THE WEST: BRAND BODY COPY Brand Body Copy is used when placed over imagery. TYPEFACE Garage Gothic Regular should be used for Body Copy, Shelly Volante Script should be used for the first capital letter. TYPE SIZES Body Copy may appear between 10 and 25 pts The capital letter in Shelly Volante Script should always be double the X height of the Body Copy.

14 GARAGE GOTHIC REGULAR

ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890 !@#$%^&*() shelly volante script

LINE SPACING To calculate line spacing of the Body Copy, multiply the point size of the type by 1.833. For example: 12 pt type x 1.833 = approx. 22 line spacing, Body Copy should be justified to the left and right sides. Words should never be hyphenated when breaking to the next line.

ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz !@#$%^&*( ) 1234567890

TRACKING Tracking should be adjusted accordingly. Since brand Body Copy should be justified.

EXAMPLE

COLOR Brand Body Copy is always used over an image and should always be 100% white. IMAGERY The image behind the Brand Body Copy should always be dark enough so that body copy is legible.

DON’T

T he west isn’t only in our name, it’s in our DNA. That same western ambition to excel that drives the Bruins, drives us too. That’s why we’re a proud sponsor of UCLA Athletics and a huge fan of UCLA Football. For business banking

T he west

services including cash management, lines of credit and commercial real estate loans, go west.

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BANK OF THE WEST: LEGAL COPY TYPEFACE Helvetica Neue 57 Condensed, uppercase and lowercase TYPE SIZES Legal may appear no less than 8 and no more than 12 pts. For large formats over 24 inches on the shortest side, legal should be 18pt. LINE SPACING To calculate line spacing of the Legal, multiply the point size of the type by 1.125; For example: 6 pt type x 1.125 = 6.75 line spacing 12 pt type x 1.125 = 13.5 line spacing Legal should be justified to the right and left sides, if possible. TRACKING Tracking for the Legal should be -10. COLOR When Legal is being shown over the Color Field, it should be 100% white. When Legal is over a white background (Copy Field), it should be 70% to 100% black for maximum legibility. POSITIONING The Legal should always be placed underneath the Brand Bar and be left aligned with the logo. Note the order of the Legal shown in the examples to the right.

15 Helvetica Neue 57 Condensed

ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890 !@#$%^&*( ) EXAMPLES Member FDIC. © 2011 Bank of the West. Member FDIC. © 2011 Bank of the West. Member FDIC. © 2011 Bank of the West. * Offer not available for existing Bank of the West checking customers with an open account as of 8/7/11. Offer valid for new personal checking accounts opened from 8/8/11–9/16/11 with a minimum checking account opening deposit of $100 or more, with funds new to Bank of the West. All accounts are subject to the Bank’s standard terms and conditions and fee schedule. Member FDIC. © 2011 Bank of the West.

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BANK OF THE WEST: BRAND LINE “GO WEST.” CLEAR SPACE To ensure its integrity, visibility and to protect the copyright, the “GO WEST.” Brand Line should be kept clear of competing text, images and graphics. It must be surrounded by adequate clear space, which is half the cap height of the “GO WEST.” logo type.

16 CLEAR SPACe

SIZE and format The Brand Line should always be 1/2 of the Headline cap height and should always include the period and Registered Trademark symbol, ® after “GO WEST”. Color The Brand Line should always be white. When placed over the Color Field, it should always be 100%. When placed over an image, it should match the transparency of the Headline. The “GO WEST.” Brand Line shown in the clear space example is outlined purely for legibility purposes. PLACEMENT The Brand Line should always fall to the lower-right side of the layout, placed below the Headline. For LARGE FORMAT only There is an alternate, pre-existing logo type that has already been created with a reduced service mark symbol (please do not alter or recreate.) This should be used when “GO WEST.” is the Headline and lives in isolation. It should only be used for large format, such as Billboards or Posters. EXAMPLE

EXAMPLEs

$100 CAN BE

THE START OF SOMETHING BEAUTIFUL IN THE WEST.

For a checking account that pays you $100*, go west. • Make a minimum initial deposit of $100

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BANK OF THE WEST: BRAND LINE “GO WEST.” USAGE

“GO WEST.” “GO WEST.” is our current brand theme line. It’s both a rallying cry and a call-to-action. In the hierarchy of communication, it should always be followed by “Bank of The West” or the Bank of the West Logo. Dos

Don’t Do use “GO WEST.” on ads including print, outdoor, in-branch, collateral, direct mail and online, and to follow a Headline ending with “in the West.” Then followed by the Bank of the West Logo. (See exceptions to outdoor and online.)

GO WEST!

GO WEST?

GO WEST,

Don’t add punctuation marks to “GO WEST.” Only a period should follow “GO WEST.”

GO WEST Don’t put “GO WEST.” in speech bubbles (i.e., as if The Bank of the West bear is saying “GO WEST.”)

for a checking account that can pay you $100, go west. For a checking account that can pay you $100, go west. Do use “GO WEST.” at the end of a copy line or sentence for promotional or product-specific copy (e.g., “For x, y, z, Go West.”)

“ This spirit is in our customers, our employees and our DNA. And it’s yet another reason to go west. Bank of the West.” Do use “GO WEST.” at the end of spoken copy in radio, TV, etc., immediately followed by “Bank of the West.” Do use “GO WEST.” as a main piece of communication on an in-branch “breather” poster, along with the Bank of the West Logo.

GO WEST for great rates on home mortgages. Don’t use “GO WEST.” at the beginning of a sentence or in a headline. Don’t place “GO WEST.” after or beneath the Bank of the West logo in print.

$100 CAN

be the start of something beautiful IN THE WEST. For a checking account that pays you $100*, go west. • Make a minimum initial deposit of $100 • Set up qualifying direct deposit of $250 or more per month* • Enjoy your $100 any way you'd like bankofthewest.com

GO WEST.

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BANK OF THE WEST: IMAGERY

IT IS: • High production value • Real, exceptional people • Beautiful, interesting environments/scenarios • Authentic human stories

In addition to the Color Palette and typography, a distinct photographic style is also a key attribute of the Bank of the West brand identity. Our photography style reflects the kind of bank that understands our customers’ lives, needs and goals. Images should be candid, real, emotionally truthful and optimistic. Subjects should be dynamic and caught in the midst of everyday life. Subjects should never be looking directly at the camera. The pictures on this page are a sample representation of images that fit within the brand photo style.

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BANK OF THE WEST: IMAGERY

IT IS NOT: • Low production value • Actors/models • Staged and predictable environments/scenarios • Manufactured stories • Acknowledging the camera Table of Contents

BANK OF THE WEST: HISPANIC CONSIDERATIONS

Headline Do's Headlines should support the brand positioning and: • Express the brand voice and personality • Tonally support the the Hispanic brand line "Siempre Avanzando", (Always Advancing) • Be sensitive to ethnic differences and customs • Avoid anything racially stereotypical • Use the formal (Usted) rather than informal (Tu) Headline Dont's Headlines shouldn't:

Aquí, las relaciones bancarias son un poco mas personales.

• Be generic • Be unclear • Be direct translations of English lines Hispanic Brand Line "Siempre Avanzando" The Hispanic brand line, "Siempre Avanzando" (Always Advancing), was created to convey the emotion behind the "Go West" line in Spanish-language communications. Like "Go West," it's a rallying cry that captures the feeling of progress, but in a way that is more relevant to Spanish speakers. SIZE and format The Hispanic Brand Line should always be 1/2 of the Headline cap height and should always include the period and Service Mark symbol, SM after “Siempre Avanzando”. (See Go West usage page for placement.)

Imagery All imagery should follow brand guidelines on page 18 and also: • Avoid anything racially stereotypical • Be sensitive to ethnic differences and customs

Imagery examples Table of Contents

BANK OF THE WEST: LOGOS color BANK OF THE WEST LOGO Whether used in the vertical or the horizontal format, the Bank of the West Logo must include the following three elements: the Bank of the West identifier, the BNP endorsement and the green emblem.

21 HORIZONTAL LOCKUP: COLOR (preferred)

COLORS The Bank of the West Logo can be represented in the following treatments, depending on the medium and the production requirements being used. minimum logo size NOTE: The brand bar is preferred on print applications, whereas these logos are preferred for digital applications such as Web and broadcast.

Reversed version for dark backgrounds.

VERTICAL LOCK-UP: COLOR

For full page applications (about 8.5"x11"), logo should have a minimum size of 2.5 " wide for horizontal lock-up and 1.75" wide for the verticle lock-up. Half page or newspaper size applications (about 8.5" x 5" or narrow sizes of about that same area), logo should have a minimum size of 2 " wide for horizontal lock-up and 1.25" wide for the verticl lock-up.

Reversed version for dark backgrounds.

for Branch Signage and legacy uses

Web applications - minimun size of 220px x 20px using the horizontal version Commercial, Wealth management and Bwis logos Please go to the following pages to view more information: Commercial ......................................................................................59 Wealth Management............................................................................ 71 BancWest Investment Services...............................................................84

Reversed versions for dark backgrounds.

Reversed version for dark backgrounds.

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BANK OF THE WEST: LOGOS: Black and white BANK OF THE WEST black-and-white logo This version of the Logo is to be used when only black-and-white output of creative is available.

22 horizontal LOCKUP: Black and white (preferred version)

Reversed version for dark backgrounds.

vertical LOCKUP: Black and white (optional version)

Reversed version for dark backgrounds.

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BANK OF THE WEST: LOGOS: clear space CLEAR SPACE To ensure its integrity and visibility, the Bank of the West Logos should be kept clear of competing text, images and graphics. It must be surrounded by adequate clear spaceâ&#x20AC;&#x201C; determined by a space equal in size to the cap height of the letters in the Logo type.

23 CLEAR SPACE

SIZE The height of the horizontal Logo is equal to the cap height of the Headline, and the vertical Logo is 2x the cap height of the Headline. If absolutely necessary, you may deviate for extreme vertical or horizontal executions.

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BANK OF THE WEST: BRAND BAR When it comes to branding Bank of the West, the Brand Bar is one of the preferred identity formats. It has been created in many versions to a fit a variety of layouts. Please refer to the following pages for more info on using the Brand Bar. CLEAR SPACE The Brand Bar should always have clear space of X, which is the cap height of â&#x20AC;&#x153;Bâ&#x20AC;? in Bank of the West, above and below the Brand Bar to maintain legibility and integrity. The Logos and URL should always be a minimum of 2x from the left and right sides. COLOR The Brand Bar consists of black, with grey and green gradients. No other color variations may be used in place of the Logo or URL. PLACEMENT The Brand Bar should never float in the middle of a page. It should always extend past the left and right side of the trim. It should always be placed toward the bottom, anywhere from 0.15'' to 0.5'' from the edge. Align other graphic or copy elements to Logos and URL in the Brand Bar. The Logos should always be anchored on the left, and the URL should always be anchored to the right of the Brand Bar. There should always be space on the left and right sides of the bar-a minimum of 2x the cap height of the Bank of the West Logo. In some instances where the Logos and URL are too close together, the URL may be removed and added to the top right of the Brand Bar. The URL should match the color and transparency of the body copy or bullets being used. When the URL is removed from the Brand Bar, it should always be in Garage Gothic. sizing The Brand Bar should always scale proportionately and the height relative to the headline, should be appox. 2/3 the height of the headline copy. For full page applications (about 8.5"x11") - The brand bar should not be less than 0.4375" tall Half page or newspaper size applications - The brand bar should not be less than 0.25" tall Web applications - The brand bar should not be less than 30 px tall

24 CLEAR SPACE:

2X COLOR:

C=96, M=6, Y=72, K=11 + C=61, M=0, Y=46, K=0

C=10, M=4, Y=4, K=14 + C=0, M=0, Y=0, K=0

Black and white:

C=0, M=0, Y=0, K=100

C=0, M=0, Y=0, K=0

Commercial AND Wealth management BRAND BARS Please go to the following pages to view more information: Commercial ..................................................................................... 60 Wealth Management............................................................................ 72 Table of Contents

BANK OF THE WEST: BRAND BAR DO's & DONâ&#x20AC;&#x2122;Ts

Below are some suggested and incorrect uses for the Brand Bar. Never alter any Logos or Brand Bars in any way. Fonts, colors and Logos are never to be changed under any circumstances. DOS For wider ads, extend only the Bar and increase distance between Logos and URL.

printing in color

printing in black and white CMYK brand bar BANK OF THE WEST

For thinner ads, extend only the Bar and decrease the distance between Logos and URL. bankofthewest.com

BLACK brand bar BANK OF THE WEST

For instances when there is not enough room to include the URL in the Brand Bar, it may go to the upper right side of the Brand Bar in Garage Gothic Regular and should match the color and transparency of the body copy/bullets. WHITE brand bar BANK OF THE WEST

For Web banners, posters or brochure covers, you may remove the URL.

DONâ&#x20AC;&#x2122;TS Do not center Logos in the Bar; Logos should always anchor on the left; the website should always anchor on the right. Do not stretch or skew any part of the Bar or Logos.

No other color variations may be used for the Logo or URL.

Never have the Logos or URL go to the edge of the Bar; always keep at least 2x the cap height of the Bank of the West Logo.

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Bank of the west brand EXECUTIONS

Bank of the west: BRAND TONE

The tone of voice should be knowledgeable, friendly and optimistic. When possible, use contractions and “humanize” the language–or to minimize the amount of technical industry “bank speak.” When financial terminology can’t be avoided, try to explain it the way you would when talking to a friend. Try to lead with the most interesting and important message and the keep the copy short and simple while using everyday language. For example, choose words like “use” over “utilize.”

Table of Contents

BANK OF THE WEST BRAND: IN-bRANCH POSTERS HEADLINE All Headlines for in-branch posters should be all caps, with a minimum of 75% white over the image. It should be left aligned with the Bank of the West Logo in the Brand Bar. The headline font for a standard 22x28 poster is 248 pts with 193 pt leading and -20 kerning. IMAGERY Images used for in-branch posters should bleed off the entire page. BRAND LINE The Brand Line should always be half the cap height of the Headline, placed over the image below the Headline. CALL-TO-ACTION The Call-to-Action should always match the transparency of the Headline and Brand Line. It should be placed below the Brand Line and above the Brand Bar. The font size should be 79.5 pts with 70 pt leading and -10 kerning. BRAND BAR The Brand Bar should always be placed on the bottom of the page, below the Call-to-Action and above the Legal.

WE BELIEVE IN SAVING TODAY LIKE THERE’S A TON OF TOMORROWS.

HEADLINE: PAGE 7

IMAGERY: PAGE 18

BRAND LINE: PAGE 16 Ask us about Savings Accounts.

CALL-TO-ACTION: PAGE 11

Form #010-10615 (4/12)

Other EXamples

THERE ARE STILL PLENTY OF CLAIMS TO STAKE IN THE WEST.

LEGAL The Legal should always go below the Brand Bar, 18 pt type, left aligned to the Headline and justified, if possible. BANCWEST INVESTMENT SERVICES specific posters Please go to the following page to view more information: BancWest Investment Services............................................................... 87

BRAND BAR: PAGE 24 LEGAL: PAGE 15

Ask us about Commercial Real Estate Loans.

Form #010-10609 (4/12)

Form #010-10605 (4/12)

Form #010-10631 (4/12)

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BANK OF THE WEST BRAND: BILLBOARDS

29 T:29.525”

Equal Housing Lender. Member FDIC.

CREATED BY: Allie Packard

JOB# BOW12004

BLEED 29.525” w x 9.8375” h TRIM 29.525” w x 9.8375” h

COMPONENTbrand billboards

LINKS

108328755 (1).PSD(RGB, CMYK; 173PPI, -174 SF Digital - BB1002A Bay Bridge & Toll Plaza, WF PPI, 83 PPI, 83 PPI, 84 PPI, 84 PPI, 84 PPI, 83 PPI, 88 PPI, 85 PPI, 86 PPI, 89 PPI, 84 PPI; 173.32%, 100% output = 59’.625” x 19’8.25” -173.32%, 86.21%, 86.33%, 85.28%, 85.3%, 84.91%, 86.67%, 81.72%, 84.05%, 83.42%, Creative = new mortgage, savings spree, tons of tomorrow 80.17%, 85.12%)

MECHDATE 030112 CLOSE DATE None ISSUET:29.525” DATE None

ECD

PROD

ACCT

PRFRD

CMYK

GARAGEGOTHIC, TRADE GOTHIC

1100 SANSOME • SAN FRANCISCO 415.477.1999 Please examine these materials carefully. Call the Production Manager immediately if you detect problems.

T:9.8375”

WHY NOT GO ON A SAVINGS SPREE? Member FDIC.

CLIENT BOTW JOB# BOW12004 PROJECT OOH COMPONENTbrand billboards VENDOR XYZ

LEGAL: PAGE 15

HEADLINE: PAGE 7

NOTES

bow12004_billboards_SFdigital_v1r1.indd

LAST REVISION: 3-7-2012 12:04 PM

PRINTED AT: 53.51% CREATED BY: Allie Packard

BLEED 29.525” w x 9.8375” h TRIM 29.525” w x 9.8375” h LIVE 29.525” w x 9.8375” h

LINKS

98684727.JPG (RGB, CMYK;189 PP I, -191 SF Digital - BB1002A Bay Bridge & Toll Plaza, WF PPI, 83 PPI, 83 PPI, 84 PPI, 84 PPI, 84 PPI, 83 PPI, 88 PPI, 85 PPI, 86 PPI, 89 PPI, 84 PPI; 158.42%, 100% output = 59’.625” x 19’8.25” -157.1%, 86.21%, 86.33%, 85.28%, 85.3%, 84.91%, 86.67%, 81.72%, 84.05%, 83.42%, Creative = new mortgage, savings spree, tons of tomorrow 80.17%, 85.12%)

MECHDATE 030112

ECD

PROD

SCALE 1:2

CLOSE DATE None

ACCT

COLOR RGB - digital

ISSUE DATE None

PRFRD

IMAGERY: PAGE 18

INKS

PUBLICATIONSF Digital

LEGAL Legal should fall to the bottom left of the Billboard, left aligned with the Headline and aligned with the baseline of the Logo.

LIVE 29.525” w x 9.8375” h SCALE 1:2 COLOR RGB - digital

VENDOR XYZ

INKS

PRINTED AT: 53.51%

CLIENT BOTW PROJECT OOH

BRAND LINE The Brand Line should match the transparency of the Headline and fall to the right side of the Headline.

NOTES

bow12004_billboards_SFdigital_v1r1.indd

LAST REVISION: 3-7-2012 12:04 PM

PUBLICATIONSF Digital

FONTS

LOGO The color version of the Bank of the West Logo should be used on Billboards with white type. For Billboards located by the Bay Bridge in San Francisco, the BNP Paribas Group Logo should be added below the Bank of the West Logo, as shown in the second example.

T:9.8375”

IMAGERY Images should take up the entire background and extend off the page. No Color Fields should be used for Billboards.

YOU’D LOOK GREAT IN A NEW MORTGAGE.

FONTS

HEADLINE All Headlines should be left aligned and at least 75% white. The placement of the Headline will vary depending on image.

CMYK

GARAGEGOTHIC, TRADE GOTHIC

1100 SANSOME • SAN FRANCISCO 415.477.1999 Please examine these materials carefully. Call the Production Manager immediately if you detect problems.

LOGO: PAGE 21

BRAND LINE: PAGE 16

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BANK OF THE WEST BRAND: BROADCAST

End frames in broadcast consist of “GO WEST,” followed by the Bank of the West Logo. The only time the bear icon animates is in broadcast. The “GO WEST” tagline always lives in isolation and is prominent, with no other elements on screen besides the background imagery. LOGO The stacked Bank of the West and BNP Paribas Logo should be used, all white with the four-color green square. LEGAL The size of Legal supers on broadcast should be 35 pts, 26 px tall. TV will always require the Legal text “Member FDIC”. BRAND LINE “GO WEST.” should appear in the second-to-last frame and live in isolation.

LOGO: PAGE 21

LEGAL: PAGE 15

BRAND LINE: PAGE 16

Table of Contents

SME

SME: TABLE OF CONTENTS

SME Tone . .................................................................34 Color Palette............................................................. 35 EXECUTIONS Print . ..................................................................... 36 Counter Cards.. .......................................................... 38 Brochures.. ............................................................... 39 Product Sheets.......................................................... 40 In-Branch Flyers.. ........................................................41 Online Banners.......................................................... 42

Table of Contents

BANK OF THE WEST: SME TONE

Most clients don’t like to think of their businesses as small, so it’s better not to refer to them as “small businesses.” Our clients may be perfectly happy with the size of their businesses, so let’s not make statements about helping their businesses grow. You might instead speak to helping with their continued success.

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SME: COLOR PALETTE These colors are derived from the Bank of the West Brand Bar and should be used for Headlines, Subheads, Body Copy and Color Fields.

34 SPOT PMS 5405 C

Anytime Body Copy or bullets are being used over these colors, a 30% tint of the SME color should be used. Secondary Colors For secondary colors, please select from the secondary brand Color Palette.

CMYK

NEWSPAPER

C=52, M=13, Y=3, K=45

HEX

RGB R=71, G=117, B=143

20%

30%

47758F

40% 50% 60% 70%

80% 90% 100%

SECONDARY PMS= 5215 C C=28, M=35, Y=24, K=0 R=186, G=163, B=171 HEX= BAA3AB

PMS= 5195 C C=72, M=90, Y=75, K=15 R=95, G=56, B=68 HEX= 5F3844

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SME PRINT: COLOR 1/4 page Headline Headlines used over any kind of imagery, should always be ideally 90% transparent white or ranging from 80% to 95%. Imagery should always be dark enough or adjusted so the white type is legible. Headlines should be left aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts. IMAGERY Images should be four-color and take up approx. 2/3 of the top portion.

35 OUT HERE, BUSINESS BANKING AND PERSONAL ATTENTION ARE A PACKAGE DEAL.

Headline: PAGE 7

IMAGERY: PAGE 18

Brand Line The Brand Line should always be half the cap height of the Headline.

Brand Line: PAGE 16

BRAND BAR The Brand Bar should always be placed below the image. For ad sizes 4.5” or smaller, center the the Logo within the brand bar, with copy aligned to either the left or right of the Logo within the Brand Bar. Subhead The Subhead should always be 100% white over the Color Field and left aligned with the Headline. DIVIDER LINE For use only when there is too much copy to have the subhead above the bullets. A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar. BULLETS Bullets should be 100% white and left aligned.

BRAND BAR: PAGE 24 Let us help you run your business your way with our Commercial Real Estate Loans and Business Lines of Credit.

Subhead: PAGE 11

• Up to $2,500 towards closing fees on owner-occupied Commercial Real Estate

BULLETS: PAGE 12

Loans, 5-year fixed rate now at 4.59% with other rates and terms available (1) • 4.25% on Business Equipment Loans (5-year fixed rate) • Prime

+1% on Business Lines of Credit and Term Loans

(2)

Color Field: see Left

(3)

bankofthewest.com All offers effective May 7- June 22, 2012. Offers subject to change at any time without prior written notice. Conditions and restrictions apply. Terms and conditions subject to change. These loan rates require automatic payments from a Bank of the West business checking account. Loans and leases are subject to credit approval. Other fees and restrictions may apply. Rates are subject to change and depend on terms. Offers valid for completed applications received between May 7 and June 22, 2012. (1)Current rate of 4.59% is as of 5/7/12 and applies to new BusinessLink, owner-occupied, commercial real estate loan, with a 5-year term, 25-year amortization, in amounts up to $2 million. Other rates and terms available. A deposit of $2,000 will be required upon accepting Bank of the West’s initial offer for third-party fees, such as appraisal, title policy, and environmental fees. If the loan is approved and accepted, up to $2,500 will be credited at closing to cover the third-party fees incurred. The fee credit cannot be combined with other loan offers. Offer applies only to new loans in amounts between $250,000 and $2 million. “Owner-occupied” is defined as occupying 51% or more of the space. Offer not available for some types of properties. (2)Current rate of 4.25% is as of 5/7/12 and applies to new BusinessLink equipment loans between $25,000 and $750,000 with a 5-year term. Lease options are available. (3)Variable rate of Bank of the West Prime plus 1.00% on new BusinessLink lines of credit and new variable rate term loans between $25,000 and $750,000. A minimum rate of 4.0% applies to lines of credit and variable rate term loans. Equal Housing Lender. ©2012 Bank of the West. Member FDIC.

Legal: PAGE 15

Color Field The Color Field should take up the lower 1/3 of the page and should include a Subhead, bullets/Body Copy, the Brand Bar and the Legal. Legal The Legal should always go at the bottom, at least 8 pts and left justified.

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SME PRINT: Black-and-white 1/4 page newspaper

36 T:4.937”

Headline Headlines used over any kind of imagery, should always be ideally 90% transparent white or ranging from 80% to 95%. Imagery should always be dark enough or adjusted so the white type is legible. Headlines should be left aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts.

ouT HERE, BuSINESS BANKING AND PERSoNAL ATTENTIoN ARE A PACKAGE DEAL.

IMAGERY Images should be grey scale and take up approx. 2/3 of the top portion.

Headline: PAGE 7

IMAGERY: PAGE 18

Brand Line The Brand Line should always be half the cap height of the Headline.

Brand Line: PAGE 16 T:12.25”

Brand Bar The Brand Bar should always be placed below the image.. Subhead The Subhead should always be 100% black and left aligned with the Headline.

• Up to $2,500 towards closing fees on owner-occupied Commercial Real Estate

BULLETS: PAGE 12

• Prime

+1% on Business Lines of Credit and Term Loans

(2)

COPY portion: see Left

(3)

JOB# BOW12040 PROJECT SPRING CAMPAIGN COMPONENT 1/2 Page Newpaper VENDOR xyz

NOTeS

LINKS

None

29298_warehOuSe_Bw.TIF (GRAy; 163 ppI; 61.28%)

PRINTED AT: 100%

CREATED By: Cheryln Quan

BLEED 4.937” w x 12.25” h TRIM 4.937” w x 12.25” h LIVE 4.937” w x 12.25” h SCALE 100%

COLOR BW

MECH DATE 05/09/12 CLOSE DATE None ISSUE DATE None

ECD

PROD

ACCT

PRFRD

INKS

CLIENT Bank of the West

Legal: PAGE 15

KEYLINE When not printing in full bleed, apply a 0.5 pt keyline around entire ad.

bow12040_SMe_NewMexBusinessweeklyv3r1.indd

LAST REVISION: 5-11-2012 11:40 AM

FONTS

PUBLICATION New Mexico Business Weekly

Legal The Legal should always go at the bottom and be left aligned and justified.

Subhead: PAGE 11

• 4.25% on Business Equipment Loans (5-year fixed rate)

BULLETS Bullets should be 100% black and left aligned. COPY Portion The Copy Portion should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal.

Let us help you run your business your way with our Commercial Real Estate Loans and Business Lines of Credit. Loans, 5-year fixed rate now at 4.59% with other rates and terms available(1)

DIVIDER LINE For use only when there is too much copy to have the Subhead above the bullets. A line of at least 0.5 pt in black should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar.

BRAND BAR: PAGE 24

BLACk

heLveTIca Neue, GaraGeGOThIc

1100 SANSOME • SAN FRANCISCO 415.477.1999 Please examine these materials carefully. Call the Production Manager immediately if you detect problems.

Table of Contents

SME: COUNTER CARDS Headline Headlines used over any kind of imagery, should always be ideally 90% transparent white or ranging from 80% to 95%. Imagery should always be dark enough or adjusted so the white type is legible. Headlines should be left aligned with the Bank of the West Logo in the Brand Bar. Font size should be 50 to 65 pts with -20 kerning. IMAGERY Images used on Counter Cards should take up 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline. Brand Bar The Brand Bar should always be placed on the between the image and Color Field. Subhead This should live in the lower right area of the Counter Card, in 100% white, with a size of about 25 to 30 pts. BULLETS Bullets should be 100% white, left aligned and about 20 pts font size and 21 pt leading. DIVIDER LINE A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar.

37 Headline: PAGE 7

OUT HERE, PASSIONS HAVE A WAY OF BECOMING BUSINESS PLANS.

IMAGERY: PAGE 18

Brand Line: PAGE 16

BRAND BAR: PAGE 24 Subhead: PAGE 11

•

Loans and lines of credit

•

Commercial Real Estate Loans

•

SBA loans

•

Cash Management Solutions

•

Business checking accounts and more

BULLETS: PAGE 12 Color Field: see Left

Form #810-01079 (04/12)

Legal: PAGE 15

Color Field The Color Field should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal. Legal The Legal should always go at the bottom left and be left aligned to the Headline and justified.

Table of Contents

SME: BROCHURES: FRONT PANEL Headline All Headlines for SME brochures should take up the top 1/4 of the front panel in 40 pt type. Color Field The SME color should always be used for the top panels of the brochure. Please see color section for complete breakdown. IMAGERY There should always be an image on the front panel of the brochure, and the inside of the brochure should feature a cropped section of the photo on the right or left side of the top. It should start a minimum of 2 inches from the top.

BUSINESS MERCHANT SERVICES: NO-FUSS TRANSACTIONS.

Headline: PAGE 7 Color Field: see left

IMAGERY: PAGE 18

Brand Bar The Brand Bar should always be on the front panel of the brochure at the bottom. It should be placed over the imagery at least 1/4 inch from the bottom . BACK PANEL For back panel, see page 51 in the Consumer section.

BRAND BAR: PAGE 24

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SME: PRODUCT SHEETS

Headline All Headlines for Product Sheets should be left aligned with the main content and should be 100% white over the corresponding Color Bar.

BUSINESS FINANCING bankofthewest.com

Brand Bar The Brand Bar should always be placed under the Color Field.

Subhead: PAGE 11 BULLETS: PAGE 12

We specialize in: • Commercial Truck Financing • Equipment Lending / Leasing

Subhead The Subheads should always be the same as the Color Field and left aligned.

Headline: PAGE 7 BRAND BAR: PAGE 24

Let us help you build your business with a variety of business financing solutions. Flexible Terms and Fixed Rates The flexibility to determine the financing to fit your cash flow.

Acquisition of New or Used Vehicles/Equipment More options for more savings.

Up to 100% Financing

BULLETS Bullets should be the same as the Color Field and left aligned.

Includes soft cost financing for equipment, such as delivery, installation, and training.

Keep Equipment Competitive and Current Prevent equipment obsolescence.

Potential Tax Advantages1 Options for tax advantaged leases that potentially lower monthly payments.

Legal Legal should fall at the bottom of the page, left aligned and at least 8 pt type in 100% black.

Providing business solutions for: • Commercial Transportation Companies • Small to medium businesses

Contact your local Bank of the West banker. To find a branch near you: Call 1-800-488-BANK (2265) Or visit www.bankofthewest.com

Consult your tax advisor. Subject to credit and collateral approval. Certain conditions and restrictions apply. Loans are subject to credit approval.

Form # 010-10640 (05/12)

Legal: PAGE 15

Table of Contents

SME: in-branch fLYERS

40 ACQUISITION

Use In-Branch Flyers to display specific product information and offer more details than Posters and Counter Cards. Headline All Headlines should be left aligned with the main content and should be 100% white in 30 to 40 pt type over the corresponding Color Bar.

fOR BUSINESS BANKING THAT’S A PLEASURE, GO wEST. COMMERCIAL REAL ESTATE LENDING • $2,500 toward closing costs • Owner Occupied (up to $2.0MM) • A Fixed Rate for 5 years of.....................

CONTENT Messaging should be singularly focused on a key message and clearly display any benefit or offer details. Layout may slightly vary depending on content but type should be about 20 pts and no larger than 30 pts.

BUSINESS LINE Of CREDIT/LOAN

Brand Bar The Brand Bar should always be placed on the bottom of the page, below the content and above the Legal. The URL should be removed in this instance.

BUSINESS CHECKING(4)

Legal Legal should fall below the Brand Bar and should be left justified, 100% black and 8 pt type.

Headline: PAGE 7

• $40,000-$750,000 • Prime Plus..........................................

BUSINESS EQUIPMENT LOANS

X.XX% 1.00% X.XX%

(1)

(2)

CONTENT: SEE LEFT

(3)

• A 5 Year Fixed Rate APR of.....................

• New Basic Business Checking Account • No monthly service charge for 12 months • No minimum ongoing balance requirement for 12 months • $100 discount toward first check order Contact Name

Address

555.555.5555

bankofthewest.com

BRAND BAR: PAGE 24 ©2012 Bank of the West. Member FDIC. All offers effective May 7- June 22, 2012. Offers subject to change at any time without prior written notice. Conditions and restrictions apply. Terms and conditions subject to change. All loan offers require automatic payments from a Bank of the West business checking account. Loans and leases are subject to credit approval. Other fees and restrictions may apply. Rates are subject to change and depend on terms. Offers valid for completed applications received between May 7- June 22, 2012. (1) Current rate of x.xx% is as of 5/7/12 and applies to BusinessLink owner-occupied commercial real estate with a 5 year term, 25 year amortization. Other rates and terms available A good faith deposit of $2,000 will be required upon accepting Bank of the West’s offer. Appraisal, Title Policy and Environmental fees up to $2,500 will be credited at closing. Fee Credit cannot be combined with other loan offers. New loans only between $250,000 and $2 million. “Owner-occupied” is defined as occupying 51% or more of the space. Offer not available for some types of properties. (2) Variable rate of Bank of the West Prime plus 1.00% on BusinessLink lines of credit and variable rate term loans between $40,000 and $750,000. After 12 months, a minimum rate of 4.0% applies to lines of credit. (3) Current rate of x.xx% is as of 5/7/12 and applies to BusinessLink equipment loans between $25,000 and $750,000 and with a 5 year term. Lease options are available. Member FDIC. ©2012 Bank of the West.

Legal: PAGE 15

Form # 810-01108 (07/12)

Table of Contents

SME: ONLINE BANNERS: 300x250 Headline All Headlines for 300x250 Banners should be 15 px from left and 15 px from top. IMAGERY Images used should take up the entire background and should remain stationary. Black gradients may be used to increase legibility, and color gradients may be used to transition into the corresponding Color Bar.

41 Business financing can be a pleasure in the west.

Headline: PAGE 7

Member FDIC.

Brand Line The Brand Line should be the same height as the Headline, since “IN THE WEST” should always transition into “GO WEST.”

IMAGERY: PAGE 18

LOGO Both the stacked Bank of the West and BNP Paribas Logo and the single Bank of the West Logo should be used for Online Banners. When the Logo is placed over imagery, the stacked Logo in white with the green BNP Paribas emblem should be used. When the Logo is used over the color Bar, the single Bank of the West Logo in all white should be used.

Brand Line: PAGE 16 Member FDIC.

COLOR FIELD The Color Field should fill the entrire last frame and should include a Subhead, Call-to-Action, Logo and the Legal. CALL-TO-ACTION The Call-to-Action should be 15 px from left and top, Garage Gothic Bold, Uppercase and Lowercase, left aligned. In this 300x250 instance, the type is 36 pts. The copy should always end in “GO WEST.” Legal Legal should be a minimum of 5 px from the right and bottom, Helvetica Neue 47 Light Condensed at 9 pts. Online Banners require “Member FDIC.” for each frame.

LOGO: PAGE 21

Member FDIC.

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

Color Field: see Left CALL-TO-ACTION: see Left

>> Learn More Member FDIC.

Legal: see Left

Table of Contents

Consumer

Consumer: TABLE OF CONTENTS

Consumer Tone . ........................................................ 45 Color Palette..............................................................46 EXECUTIONS Print . ...................................................................... 47 Counter Cards.. .......................................................... 49 Brochures.. ............................................................... 50 Direct Mail................................................................ 52 Buckslips................................................................. 53 Product Sheets.......................................................... 54 Online Banners.......................................................... 55

Table of Contents

Bank of the west: Consumer TONE

The tone of voice for consumer communications should be conversational and approachable. The end goal is to make customers and potential customers comfortable with opening a dialogue to further discuss their banking needs, so we should always attempt to simplify banking terms as much as possible in order to avoid our products or services. We need to remember that terms that may be familiar to us as bankers might not be familiar to customers or potential customers.

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Consumer: COLOR PALETTE These colors are derived from the Bank of the West Brand Bar and should be used for Headlines, Subheads, Body Copy and Color Fields.

45 SPOT PMS 316 C

Anytime Body Copy or bullets are being used over these colors, a 30% tint of the Consumer color should be used. Secondary Colors For secondary colors, please select from the secondary brand Color Palette.

CMYK

NEWSPAPER C=100, M=0, Y=0, K=65

C=100, M=0, Y=25, K=70

RGB

HEX R=0 , G=76 , B=88

20%

30%

40% 50% 60% 70%

004C58

80% 90% 100%

SECONDARY PMS: 4535 C C=0, M=4, Y=30, K=11 R=231, G=216, B=172 HEX= E7D8AC

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Consumer NEWSPAPER: COLOR 1/4 page

Headline All Headlines should be all caps, with a minimum of 75% white over the image and left aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts.

OUR CHECKING COMES WITH A $150 DOWN PAYMENT TO “GO FOR IT.”

IMAGERY Images should be four-color and take up approx. 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline.

Subhead The Subhead copy should be the Consumer teal color and left aligned with the Headline.

BULLETS Bullets should be 100% of the Consumer teal color and left aligned. COPY Portion The Copy Portion should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal. Legal The Legal should always go at the bottom in 100% black, at least 8 pts and be left justified.

IMAGERY: PAGE 18 Brand Line: PAGE 16

Brand Bar The Brand Bar should always be placed below the image.

DIVIDER LINE (not shown in this example, see page 38 for usage) For use only when there is too much copy to have the Subhead above the bullets. A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar.

Headline: PAGE 7

BRAND BAR: PAGE 24 Subhead: PAGE 11

Open a new checking account through March 8, get up to $1501 to treat yourself.

BULLETS: PAGE 12 Copy Portion: see left

• Get $100 for setting up a direct deposit.2 • Get $50 for using your debit card.

For details, visit a branch or bankofthewest.com/treat 1

All offers valid only for new Easy Checking, Choice Interest Checking, or 55 Plus Checking* accounts opened at a branch or account application submitted on bankofthewest.com 1/26/13 through 3/08/13 with a minimum checking account opening deposit of $100 or more with funds new to Bank of the West (Bank). Offers are not available for existing Bank customers with an open checking account as of 1/25/13. Customers who received any consumer bonus from the Bank between 1/25/12 and 1/25/13 are not eligible. 2 To receive the $100 bonus, customer must establish a direct deposit of at least $250 (two or more direct deposits that add up to $250 do not qualify). Direct deposit must be payroll, Social Security, pension or other government benefits. The first direct deposit must be posted to the account by 5/31/13. 3 To receive the $50 bonus, customer must request, receive and use a new Bank of the West Debit Card for 10 or more debit card purchases per month for each of the two full calendar months immediately following the month of account opening. Each purchase must be $3 or more. All required purchases must be posted by 5/31/13. Total of combined consumer bonuses is limited to $150 and cannot be combined with any other consumer offers. Limit of one combined consumer bonus per mailing address. Account must have a positive balance as of 5/31/13 to be paid any bonus. Combined total of bonuses earned will be credited to open checking account by 6/28/13. Any account that meets the eligibility requirements as of 5/31/13 but is not in an open status when the bonus is paid will not receive the bonus. Offers do not apply to second or multiple checking accounts. An early closure fee of $25 will apply if an account is closed within 91 days of the account opening date. Any applicable taxes associated with these offers are the responsibility of the account holder. To the extent required by law, Bank will report total value of the offers to the IRS on Form 1099 for tax year 2013. All accounts are subject to the Bank’s standard terms and conditions and fee schedule. *If you do not qualify for a checking product listed in this offer, you may be offered an alternate checking product to which the bonus may apply. Member FDIC. ©2013 Bank of the West.

Legal: PAGE 15

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Consumer PRINT: black-and-white 1/4 page Headline All Headlines should be all caps, with a minimum of 75% white over the image and left aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts. IMAGERY Images should be four-color and take up approx. 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline.

OUR CHECKING COMES WITH A $150 DOWN PAYMENT TO “GO FOR IT.”

DIVIDER LINE (not shown in this example, see page 38 for usage) For use only when there is too much copy to have the Subhead above the bullets. A line of at least 0.5 pt in black should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar. BULLETS Bullets should be 100% black and left aligned with the Headline. COPY Portion The Copy Portion should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal.

IMAGERY: PAGE 18 Brand Line: PAGE 16

Brand Bar The Brand Bar should always be placed below the image. (Sounth Dakota brand bar shown) Subhead The Subhead should always be 100% black, left aligned with the Headline.

Headline: PAGE 7

BRAND BAR: PAGE 24 Subhead: PAGE 11 BULLETS: PAGE 12

Open a new checking account through March 8, get up to $1501 to treat yourself. • Get $100 for setting up a direct deposit.2

Copy portion: see left

• Get $50 for using your debit card.3

For details, visit a branch or bankofthewest.com/treat 1 All offers valid only for new Easy Checking, Choice Interest Checking, or 55 Plus Checking* accounts opened at a branch or account application submitted on bankofthewest.com 1/26/13 through 3/08/13 with a minimum checking account opening deposit of $100 or more with funds new to Bank of the West (Bank). Offers are not available for existing Bank customers with an open checking account as of 1/25/13. Customers who received any consumer bonus from the Bank between 1/25/12 and 1/25/13 are not eligible. 2 To receive the $100 bonus, customer must establish a direct deposit of at least $250 (two or more direct deposits that add up to $250 do not qualify). Direct deposit must be payroll, Social Security, pension or other government benefits. The first direct deposit must be posted to the account by 5/31/13. 3 To receive the $50 bonus, customer must request, receive and use a new Bank of the West Debit Card for 10 or more debit card purchases per month for each of the two full calendar months immediately following the month of account opening. Each purchase must be $3 or more. All required purchases must be posted by 5/31/13. Total of combined consumer bonuses is limited to $150 and cannot be combined with any other consumer offers. Limit of one combined consumer bonus per mailing address. Account must have a positive balance as of 5/31/13 to be paid any bonus. Combined total of bonuses earned will be credited to open checking account by 6/28/13. Any account that meets the eligibility requirements as of 5/31/13 but is not in an open status when the bonus is paid will not receive the bonus. Offers do not apply to second or multiple checking accounts. An early closure fee of $25 will apply if an account is closed within 91 days of the account opening date. Any applicable taxes associated with these offers are the responsibility of the account holder. To the extent required by law, Bank will report total value of the offers to the IRS on Form 1099 for tax year 2013. All accounts are subject to the Bank’s standard terms and conditions and fee schedule. *If you do not qualify for a checking product listed in this offer, you may be offered an alternate checking product to which the bonus may apply. Member FDIC. ©2013 Bank of the West California.

Legal: PAGE 15

KEYLINE When printing not in full-bleed, apply a 0.5 pt keyline around entire ad.

Legal The Legal should always go at the bottom, at least 8 pts and left justified. Table of Contents

Consumer: COUNTER CARDS Headline All Headlines should be all caps, with a minimum of 75% white over the image and left aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts. IMAGERY Images used on Counter Cards should take up 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline.

OUR PREMIER CHECKING OFFERS THE REWARDS YOUR HARD WORK DESERVES.

Headline: PAGE 7

IMAGERY: PAGE 18

SUBHEAD The Subhead should always be 100% white over the Color Field, left aligned with the Headline.

Brand Line: PAGE 16

DIVIDER LINE A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar.

BRAND BAR: PAGE 24 Subhead: PAGE 11

BULLETS Bullets should be 100% white and left aligned.

•

Ask us about our Premier Relationship Checking account.

•

Color Field The Color Field should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal.

H igh er rates of interest on your Choice Money Market Savings account and bonus interest rates on select CDs No fees when using another bank’s ATM – and rebates on ATM fees from other banks No fees for cashier’s checks, travelers cheques and additional benefits

BULLETS: PAGE 12 Color Field: see left Legal: PAGE 15

Form #810-01114 (8/12)

Brand Bar The Brand Bar should always be placed below the image. Legal The Legal should always go at the bottom, at least 8 pts and left justified. Table of Contents

Consumer: BROCHURES: FRONT PANEL Headline All Headlines for Consumer brochures should take up the top 1/4 of the front panel in 40 pt, white type. Color Field The Consumer color should always be used for the top panels of the brochure. Please see color section for complete breakdown. IMAGERY There should always be an image on the front panel of the brochure, and the inside of the brochure should feature a cropped section of the photo on the right or left side of the top. It should start a minimum of 2 inches from the top.

MORTGAGE LOANS in plain English.

Headline: PAGE 7 Color Field: see left

IMAGERY: PAGE 18

Brand Bar The Brand Bar should always be on the front panel of the brochure at the bottom. It should be placed over the imagery 1/4 inch from the bottom .

BRAND BAR: PAGE 24

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Consumer: BROCHURES: BACK PANEL

Brand Line The Brand Line should live in isolation above the Bank of the West and BNP Paribas Group Logo. It should be justified with the “B” in Bank and the “P” in Group.

YOUR KIND OF BANK

LOGO The stacked Bank of the West and BNP Paribas Logo should be used over a white background. URL The URL should be 12 pts and in black, placed above the Legal.

Brand Line: PAGE 16

Legal The Legal should always go below the Brand Bar, left aligned to the Headline and justified.

LOGO: PAGE 21

bankofthewest.com

Legal: PAGE 15

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Consumer: DIRECT MAIL

LOGO For Direct Mail, the Bank of the West and BNP Paribas Logo should be on one line, black with the green BNP Paribas square. This should only live on the back outside panel with the return address below. Brand Bar The Brand Bar should always be placed over the imagery on the bottom of the front panel only. This should fall below the Subhead.

See inside for details.

Cedar Rapids – North River Village 4300 Sonoma Boulevard, Suite 300, City, State 12345 (000) 000-0000 Branch Hours M, T, W, F 9:30-12 and 1-3, Th 9:30-12 and 1-6 Cedar Rapids – North River Village 4300 Sonoma Boulevard, Suite 300, City, State 12345 (000) 000-0000 Branch Hours M, T, W, F 9:30-12 and 1-3, Th 9:30-12 and 1-6 Cedar Rapids – North River Village 4300 Sonoma Boulevard, Suite 300, City, State 12345 (000) 000-0000 Branch Hours M, T, W, F 9:30-12 and 1-3, Th 9:30-12 and 1-6

Legal The Legal should be placed on the inside middle panel, 100% black over a white background. It should be justified with the Headline and Body Copy.

IMAGERY: PAGE 18 Brand Line: PAGE 16 LOGO: PAGE 21 BRAND BAR: PAGE 24

Sample Sample 123 Street Address City, State 12345

There’s a branch near you:

AN OFFER FOR OUR VALUED CUSTOMERS.

Stop by a branch or open an account online at bankofthewest.com/treat between July 27 and August 30, 2013.

An offer just for Bank of the West customers. See inside for details.

BOW-AC-CHMP-28

OUTSIDE $150 TO 1

TREAT YOURSELF.

WE’RE GLAD YOU’RE WITH US. HERE’S AN OFFER TO PROVE IT.

OPEN A NEW CHECKING ACCOUNT AND GET $150.

As a Bank of the West customer, you can expect great service and a variety of accounts to meet your everyday banking needs.

to qualify for this offer, open a personal checking account with a minimum opening deposit of $100 using funds new to Bank of the West. set up a qualifying direct deposit and get $100.2 Use your debit card and get another $50.3

We’d also like to give you a special offer to thank you for your business. get up to $1501 when you open a checking account between July 27 and August 30, 2013. • get $100 for setting up direct deposit2 • get $50 for using your debit card3 Our checking accounts also come with features and benefits you expect, like:

Take advantage of this great offer.

Subhead: PAGE 11 Color Field: SEE LEFT

Stop by a branch or open an account online at bankofthewest.com/treat between July 27 and August 30, 2013. For more information, call (800) 488-2265. All offers valid only for new easy Checking, Choice Interest Checking, or 55 Plus Checking* accounts opened at a branch or account application submitted on bankofthewest.com 07/27/13 through 08/30/13 with a minimum checking account opening deposit of $100 or more with funds new to Bank of the West (Bank). Offers are not available for existing Bank customers with an open checking account as of 07/26/13. Customers who received any consumer bonus from the Bank between 07/26/12 and 07/26/13 are not eligible. total of combined consumer bonuses is limited to $150 and cannot be combined with any other consumer offers. Limit of one combined consumer bonus per mailing address. Account must have a positive balance as of 10/31/13 to be paid any bonus. Combined total of bonuses earned will be credited to open checking account by 11/29/13. Any account that meets the eligibility requirements as of 10/31/13, but is not in an open status when the bonus is paid, will not receive the bonus. Offers do not apply to second or multiple checking accounts. An early closure fee of $25 will apply if an account is closed within 91 days of the account opening date. Any applicable taxes associated with these offers are the responsibility of the account holder. to the extent required by law, Bank will report total value of the offers to the Irs on form 1099 for tax year 2013. All accounts are subject to the Bank’s standard terms and conditions and fee schedule. 2 to receive the $100 bonus, customer must establish a direct deposit of at least $250 (two or more direct deposits that add up to $250 do not qualify). direct deposit must be payroll, social security, pension or other government benefits. the first direct deposit must be posted to the account by 10/31/13. 3 to receive the $50 bonus, customer must request, receive and use a new Bank of the West debit Card for 10 or more debit card purchases per month for each of the 2 full calendar months immediately following the month of account opening. each purchase must be $3 or more. All required purchases must be posted by 10/31/13. 4 Wireless carriers may charge fees for text transmissions or data usage. 5 Loans subject to credit approval. Certain fees and restrictions may apply. Contact your local branch for rates and loan terms. * If you do not qualify for a checking product listed in this offer, you may be offered an alternate checking product to which the bonus may apply. 1

• Online Banking with Bill Pay • Mobile Banking4 — view your account balances, deposit checks, and pay bills on the go • discounts on Consumer Loan rates when you establish a new loan with automatic payments5

Color Field The Color Field should be used behind Headlines and will vary in sizes based on the amount of content.

Headline: PAGE 7

OUR CHECKING COMES WITH A $150 DOWN PAYMENT TO “GO FOR IT.”

See inside for details.

$150

CHECKING ACCOUNT OFFER

PAID

PRSRT STD U.S. POSTAGE

Take advantage of this great offer.

P.O. Box 193718 • San Francisco, CA 94119-3718

Brand Line The Brand Line should always be half the cap height of the Headline, placed over the image on the lower right side.

Electronic Service Requested

IMAGERY Images should be four-color and take up the entire front outside panel and the far-left inside panel.

STOP IN TODAY FOR A CHECKING ACCOUNT THAT CAN GET YOU $150.

BANK OF THE WEST

Headline All Headlines for Direct Mail should be all caps, with a minimum of 75% white over the image. They should be left aligned with the Bank of the West Logo in the Brand Bar.

Don’t delay, this limited-time offer expires August 30, 2013.

Legal: PAGE 15

INSIDE

Subhead The Subhead should always be 100% white over the imagery, left aligned with the Headline. Table of Contents

Consumer: BUCKSLIPS Headline All Headlines for print should be all caps, with a minimum of 75% white over the image. They should be left aligned with the Bank of the West Logo in the Brand Bar. The font size should be between 45 and 60 pts. keyline To separate copy, bullets, Call-to-Action and Legal, use a 0.5 keyline in the same color as the Color Field. The keyline should span the width of the Legal copy.

OUR CHECKING COMES WITH A $150 DOWN PAYMENT TO “GO FOR IT.”

OPEN A NEW CHECKING ACCOUNT AND GET UP TO $1501 TO TREAT YOURSELF. Open a checking account between now and March 8, 2013, and Bank of the West will give you up to $150. It’s $150 that you can use to treat yourself to some of those little pleasures you’ve been putting off for far too long. It’s our way of inviting you to go out and live it up. You’re worth it. And it’s another reason to Go West.

• Get $100 for setting up direct deposit2 • Get $50 for using your debit card3

IMAGERY Images should be four-color and take up approx. 3/4 of the top portion. Color Field The Color Field should take up the lower 3/4 of the page and should include a Subhead, the Brand Bar and the Legal. BULLETS Bullets should be a 100% white over the Color Field. They should be left aligned with the Headline and Legal. Subhead The Subhead should always be 100% white over the Color Field, left aligned with the Headline and justified, if possible. Legal The Legal should be on the back of the buckslip at the bottom of the page and left justified.

Open a new checking account through March 8 and get up to $150 .

1 All offers valid only for new Easy Checking, Choice Interest Checking, or 55 Plus Checking* accounts opened at a branch or account application submitted on bankofthewest.com 1/26/13 through 3/8/13 with a minimum checking account opening deposit of $100 or more with funds new to Bank of the West (Bank). Offers are not available for existing Bank customers with an open checking account as of 1/25/13. Customers who received any consumer bonus from the Bank between 1/25/12 and 1/25/13 are not eligible. 2 To receive the $100 bonus, customer must establish a direct deposit of at least $250 (two or more direct deposits that add up to $250 do not qualify). Direct deposit must be payroll, Social Security, pension or other government benefits. The first direct deposit must be posted to the account by 5/31/13. 3 To receive the $50 bonus, customer must request, receive and use a new Bank of the West Debit Card for 10 or more debit card purchases per month for each of the two full calendar months immediately following the month of account opening. Each purchase must be $3 or more. All required purchases must be posted by 5/31/13. Total of combined consumer bonuses is limited to $150 and cannot be combined with any other consumer offers. Limit of one combined consumer bonus per mailing address. Account must have a positive balance as of 5/31/13 to be paid any bonus. Combined total of bonuses earned will be credited to open checking account by 6/28/13. Any account that meets the eligibility requirements as of 5/31/13 but is not in an open status when the bonus is paid will not receive the bonus. Offers do not apply to second or multiple checking accounts. An early closure fee of $25 will apply if an account is closed within 91 days of the account opening date. Any applicable taxes associated with these offers are the responsibility of the account holder. To the extent required by law, Bank will report total value of the offers to the IRS on Form 1099 for tax year 2013. All accounts are subject to the Bank’s standard terms and conditions and fee schedule. *If you do not qualify for a checking product listed in this offer, you may be offered an alternate checking product to which the bonus may apply.

(See details on reverse.)

FRONT

Headline: PAGE 7

KEY LINE SEE LEFT BULLETS: PAGE 12 IMAGERY: PAGE 18

Legal: PAGE 15

BRAND BAR: PAGE 24 Subhead: PAGE 11

Form # 810-01140 (01/13)

BACK

Brand Bar The Brand Bar should always be placed on the bottom of the page over the Color Bar, below the Subhead and above the Legal. Table of Contents

Consumer: PRODUCT SHEETS Headline All Headlines should be left aligned with the main content and should be 100% white over the corresponding Color Field. IMAGERY Imagery used on Product Sheets can be shown twice, depending on the amount of content.

53 PURCHASE MONEY SECOND MORTGAGE. When you’re buying a home, a little assistance with the down payment can make a big difference. A purchase money second mortgage can help you secure the down payment you need to buy the home that’s right for you.

Key Benefits:

Subhead The Subhead should always be an 80% tint of the Color Field, left aligned with the “B” in the Brand Bar.

• Supplement your out-of-pocket costs

• Fixed or adjustable rates • Available in a variety of terms

Here are some of the features you can look forward to with a Purchase Money Second Mortgage: • Fixed or Adjustable Rates

A Purchase Money Second Mortgage can be a Home Equity Loan (fixed-rate) or Home Equity Line of Credit (adjustable-rate).

Subhead: PAGE 11 BULLETS: PAGE 12

• Convenience

A Purchase Money Second is closed concurrently with your Bank of the West Mortgage and can supplement your funds available for out-of-pocket costs.

BULLETS Bullets should be an 80% tint of the Color Field. They should be left aligned with the Subhead. Brand Bar The Brand Bar should always be placed on the bottom of the page, below the content and above the Legal. The URL should be removed in this instance.

IMAGERY: PAGE 18

FPO

• Helps meet Loan-to-Value requirements

Headline: PAGE 7

• Additional Financing

Use the Home Equity Loan option to secure financing up to 90% Combined Loan to Value (CLTV) or the Home Equity Line of Credit option to secure financing up to 80% CLTV in conjunction with your Bank of the West Mortgage.

Our experienced Mortgage Bankers can explain the features a Purchase Money Second Mortgage offers. Visit your nearest Bank of the West branch and talk to a Mortgage Banker or apply online. Put our home loan experience to work for you today.

bankofthewest.com

©2011 Bank of the West. In South Dakota, Bank of the West operates under the name of Bank of the West California. Loans and available rates are subject to credit approval. Certain fees and restrictions may apply. Purchase money second mortgages must be closed concurrently with a Bank of the West first mortgage at a title company. A seven (7) day waiting period is required between application submission and closing for a purchase money second mortgage for Home Equity Loans. Any change to the application which results in a higher APR will also require an additional three (3) day waiting period.

BRAND BAR: PAGE 24 Legal: PAGE 15

Form #010-01344 (Rev. 06/11)

Legal Legal should fall below the Brand Bar and should be fully justified, 100% black.

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ONLINE BANNER OPTION 2 - APPROVED

Consumer: ONLINE BANNERS: 300x250 Headline All Headlines for 300x250 Banners should be 15 px from the left and 15 px from the top.

ONLINE BANNER

OPTION 2 - APPROVED IMAGERY Images should take up the entire background and should remain stationary. Black gradients may be used to increase legibility, and color gradients may be used to transition into the corresponding Color Bar.

Brand Line The Brand Line should be at least half the height the headline and ledgible. the Headline GET” If uP TO $150 contains the words “IN THE WEST,” it should always transition into “GO WEST. TO DO MORE OF THE

54 GET uP TO $150 TO DO MORE OF THE THINGS YOu LOVE.

Headline: PAGE 7 IMAGERY: PAGE 18

Brand Line: PAGE 16

Color Field: see left

THINGS YOu LOVE.

COLOR FIELD The Color Field should fill the entrire last frame and should include a Subhead, Call-to-Action, Logo and the legal.

LOGO The stacked Bank of the West and BNP Paribas Logos should be used for Online Banners. When the Logo is placed over imagery, the stacked Logo in white with the green BNP Paribas emblem should be used. When the Logo is used over the Color Bar, the single Bank of the West Logo in all white should be used.

CALL TO ACTION: SEE LEFT Legal: see left

CALL-TO-ACTION The Call-to-Action should be 15 px from left and top, Garage Gothic Bold, uppercase and lowercase, left aligned. The copy should always end in “GO WEST.” Legal Legal should be a minimum of 5 px from the right and bottom, Helvetica Neue 47 Light Condensed at 9 pts. Online Banners require “Member FDIC.”

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COMMERCIAL

COMMERCIAL: TABLE OF CONTENTS

Commercial Tone . ...................................................... 58 Brand Logos.. ............................................................ 59 Brand Bar Executions.. ................................................. 60 Color Palette..............................................................61 EXECUTIONS Print . ......................................................................62 Brochures.. ................................................................64 Product Sheets.......................................................... 66 Online Banners...........................................................67

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BANK OF THE WEST: COMMERCIAL TONE

The tone of voice for commercial communications should be conversational and emphasize our vast knowledge of consumers' business. In very simple terms: Our customers’ business is our business. And we don’t just say that, we live it. So let’s show that in all of our communications.

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COMMERCIAL: BRAND LOGOs

Whether used in the vertical or the horizontal format, the Bank of the West Commercial Logo must include the following three elements: the bear icon, the logotype and the registration marks. It must remain stacked as shown.

HORIZONTAL LOCK UP: COLOR

COLORS The Bank of the West Commercial Logo can be represented in the following color treatments, depending on the medium and the production requirements being used. CLEAR SPACE To preserve the readability and integrity of the Brand Logo, it is important to adhere to the following requirements for clear space. The clear space surrounding the Brand Logo is based around the size of the green emblem. The clear space should always be at least 75%, or 1/3 the size of the green emblem.

Reversed version for dark backgrounds.

HORIZONTAL LOCK UP: Black and white

SIZE The height of the horizontal Logo is equal to the cap height of the Headline, and the vertical logo is 2x the cap height of the Headline. If absolutely necessary, you may deviate for extreme vertical or horizontal executions. For print use, the minimum size of the Brand Logo is based on a 0.25 inch green emblem, online is 25 px green emblem. Reversed version for dark backgrounds.

CLEAR SPACE

3 Table of Contents

COMMERCIAL: BRAND BAR EXECUTIONS CLEAR SPACE The Brand Bar should always have clear space of X, which is the total height of the “B” in Bank and “C” in Commercial. This clear space should be maintained above and below for legibility and integrity. The Logos and URL should always be a minimum of 2x from the left and right sides.

59 CLEAR SPACE:

COLOR The Brand Bar consists of black with grey and green gradients. No other color variations may be used in place of the logo or URL. SIZE The height of the Brand Bar should be at least half the cap height of the headline, never to exceed the full-cap height. For on-screen display, the Brand Bar should not be less than 30 px tall. PLACEMENT The Brand Bar should always extend the full width of the page (past the trim). Ensure there is adequate space to the left of the Logo. The Logos should always be anchored on the left and the URL should always be anchored to the right of the Brand Bar. The URL is optional but recommended if size permits.

COLOR:

C=96, M=6, Y=72, K=11 + C=61, M=0, Y=46, K=0

C=10, M=4, Y=4, K=14 + C=0, M=0, Y=0, K=0

Black and white:

Table of Contents

COMMERCIAL: COLOR PALETTE These colors are derived from the Bank of the West Brand Bar and should be used for Headlines, Subheads, Body Copy and Color Fields.

60 SPOT: METALLIC PMS 8402 C

Anytime Body Copy or bullets are being used over these colors, a 30% tint of the Commercial color should be used. Secondary Colors For secondary colors, please select from the secondary Color Palette.

SPOT: NON-METALLIC

CMYK

PMS TBD C

NEWSPAPER

C=50, M=43, Y=45, K=33

RGB

C=50, M=43, Y=45, K=33

HEX R=102 , G=101 , B=98

20%

30%

40% 50% 60% 70%

666562

80% 90% 100%

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COMMERCIAL PRINT: COLOR page ad

61 T:8.25”

Headline All Headlines should be all caps, with a minimum of 75% white over the image and left-aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts.

OUR BANKERS KNOW THEIR TERROIR FROM TERRAIN.

IMAGERY Images should be four color and take up approx. 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline.

HEADLINE: PAGE 7

IMAGERY: PAGE 18 BRAND LINE: PAGE 16

T:10.875”

BRAND BAR The Brand Bar should always be placed below the image. Subhead The Subhead should always be 100% white over the Color Field, left aligned with the Headline.

BRAND BAR: PAGE 58 SUBHEAD: PAGE 11 Years of wine industry experience helps us recommend great banking solutions to manage your finances.

DIVIDER LINE For use only when there is too much copy to have the subhead above the bullets. A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar.

• We’re one of the nation’s leading agricultural lenders* and an affiliate of BNP Paribas*,* one of the world’s strongest banks.

Speak to a Relationship Manager 1-707-501-5150 bankofthewest.com/agribusiness ©2012 Bank of the West. Member FDIC. Equal Housing Lender. Loans subject to credit approval. *Ag Lending, 2010 **Rated AA- by Standard and Poor’s

BOW11102_CommercialPrint_Agri_Size1_v2r2.indd CLIENT Bank of the West JOB# BOW-11-102 PROJECT BOW Commercial Print

PUBLICATIONWines & Vines, Vineyard, Winery Manage VENDOR ment

NOTES

LINKS

None

DV676001.P SD (CMYK; 521PPI, -522 PPI; 58.44%, -58.44%),GOWEST_SM_090611.AI (15.33%), COMMERCIALBAR.AI (131.21%)

PRINTED AT: None

LEGAL: PAGE 15

CREATED BY: Cheryln Read

BLEED 8.75” w x 11.25” h TRIM 8.25” w x 10.875” h LIVE 7.25” w x 9.875” h

MECHDATE 02/28/12

ECD

PROD

SCALE 100%

CLOSE DATE None

ACCT

COLOR 4c

ISSUE DATE None

PRFRD

INKS

LAST REVISION: 2-28-2012 2:33 PM

FONTS

COMPONENTPage Ad

Legal The Legal should always go at the bottom, at least 8 pts and left justified.

• Our focus on customer service means you’ll have a primary point of contact dedicated to taking care of your banking needs.

COLOR FIELD: SEE LEFT

BULLETS Bullets should be 100% white and left aligned. Color Field The Color Field should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal.

BULLETS: PAGE 12

• We take a relationship-based approach to commercial banking to help you reach your financial goals.

CMYK

GARAGEGOTHIC, APPLE BRA ILLE, TRADE GOTHIC

1100 SANSOME • SAN FRANCISCO 415.477.1999 Please examine these materials carefully. Call the Production Manager immediately if you detect problems.

Table of Contents

COMMERCIAL PRINT: Black and white page ad Headline All Headlines should be all caps, with a minimum of 75% white over the image and left aligned with the Bank of the West logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts. IMAGERY Images should be grey scale and take up approx. 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline.

OUR BANKERS KNOW THEIR TERROIR FROM TERRAIN.

HEADLINE: PAGE 7

IMAGERY: PAGE 18 BRAND LINE: PAGE 16

Brand Bar The Brand Bar should always be placed below the image.. Subhead The Subhead should always be 100% black, left aligned with the Headline. DIVIDER LINE For use only when there is too much copy to have the Subhead above the bullets. A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar. BULLETS Bullets should be 100% black and left aligned.

BRAND BAR: PAGE 58 SUBHEAD: PAGE 11 •

Years of wine industry experience helps us recommend great banking solutions to manage your finances.

We take a relationship-based approach to commercial banking to help you reach your financial goals.

BULLETS: PAGE 12

• Our focus on customer service means you’ll have a primary point of contact dedicated to taking care of your banking needs. • We’re one of the nation’s leading agricultural lenders* and an affiliate of BNP Paribas*,* one of the world’s strongest banks. Speak to a Relationship Manager 1-707-501-5150 bankofthewest.com/agribusiness ©2012 Bank of the West. Member FDIC. Equal Housing Lender. Loans subject to credit approval. *Ag Lending, 2010 **Rated AA- by Standard and Poor’s

COPY PORTION: SEE LEFT LEGAL: PAGE 15

COPY Portion The Copy Portion should take up the lower 1/3 of the page and should include KEYLINE When printing not in full-bleed, apply a 0.5 pt keyline around entire ad. a Subhead, bullets, Body Copy, the Brand Bar and the Legal. Legal The Legal should always go at the bottom and be at least 8 pts and left justified. Table of Contents

COMMERCIAL: BROCHURES: FRONT PANEL HEADLINE All Headlines for Commercial Brochures should take up the top 1/4 of the front panel in 40 pt type. COLOR FIELD The Commercial color should always be used for the top panels of the Brochure. Please see Color section for complete breakdown. IMAGERY There should always be an image on the front panel of the Brochure, and the inside of the Brochure should feature a cropped section of the photo on the right or left side of the top. It should start a minimum of 2 inches from the top.

BUSINESS MERCHANT SERVICES: NO-FUSS TRANSACTIONS.

HEADLINE: PAGE 7 COLOR FIELD: SEE LEFT

IMAGERY: PAGE 18

BRAND BAR The Brand Bar should always be on the front panel of the Brochure at the bottom. It should be placed over the imagery at least 1/4 inches from the bottom .

BRAND BAR: PAGE 58

Table of Contents

COMMERCIAL: BROCHURES: BACK PANEL

BRAND LINE The Brand Line should live in isolation above the Bank of the West and BNP Paribas Logo. It should be left aligned with the green square. LOGO The stacked Bank of the West and BNP Paribas Commercial Logo should be used over a white background. URL The URL should be 12 pts and in black, placed above the Legal. BRAND LINE: PAGE 16

LEGAL The Legal should always go below the Brand Bar, left aligned to the Headline and justified.

LOGO: PAGE 57

bankofthewest.com Loans subject to credit approval. Certain fees and restrictions may apply. Relationship Pricing discount applies to qualifying mortgage loans only and is subject to terms of the Relationship Pricing Promotion Agreement. Bank of the West’s Mortgage Bankers are registered loan originators with the NMLS.

LEGAL: PAGE 15

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COMMERCIAL: PRODUCT SHEETS HEADLINE All Headlines should be left aligned with the main content and should be 100% white over the corresponding Color Bar. IMAGERY Imagery used on Product Sheets can be shown twice, depending on the amount of content.

65 AGRIBUSINESS BANKING Firmly rooted in the communities we serve, our agribusiness division offers a network of regional offices strategically located in the West’s largest agricultural markets

Our business is knowing your business

Key Benefits: • Dedicated agribusiness division • 2nd largest agricultural lender in the U.S.* outstanding quality of service in agribusiness

A complete range of products and services committed to agriculture, staffed with industry lending experts who understand the needs of your business. Our range of expertise extends to key industry segments including wineries, grains, food processing, dairy, livestock, greenhouses, and vegetable, fruit and nut growers. To accommodate the needs of these very different operations, we offer a complete line of credit products: • Operating lines • Equipment term and lease facilities • Term real estate loans • Term loans for permanent crop development

BULLETS Bullets should be an 80% tint of the Color Field. They should be left aligned with the Subhead. BRAND BAR The Brand Bar should always be placed on the bottom of the page, below the content and above the Legal. The URL should be removed in this instance.

IMAGERY: PAGE 18

• Long-term agribusiness industry expertise and financing

Bank of the West is one of the few banks with a division exclusively

SUBHEAD The Subhead should always be an 80% tint of the Color Field, left aligned with the “B” in the Brand Bar.

HEADLINE: PAGE 7

Additionally, our full range of accompanying services includes:

Financing your business today and tomorrow

SUBHEAD: PAGE 11

It is our unique appreciation of these factors that makes Bank of the West the natural choice to be your financial services provider. Founded in 1874 as Farmers National Gold Bank, our commitment to agriculture has steadily grown to make us one of the largest commercial bank lenders to agribusiness in the

BULLETS: PAGE 12

United States. Currently, we serve over 1,400 clients, providing loan commitments of more than $5 billion.

They all add up to yield uncommon results. Whether your business is production agriculture, value added

• Cash management

operations or food processing, you work with specialized teams

• International trade

who understand the natural cycle of agricultural commodities.

• Foreign exchange

Season after season after season.

• Interest rate protection • Commercial cards

Form # 010-07718 (Rev. 06/12)

BRAND BAR: PAGE 58 LEGAL: PAGE 15

LEGAL Legal should fall below the Brand Bar and should be fully justified, 100% black.

Table of Contents

COMMERCIAL: ONLINE BANNERS: 300x250

HEADLINE All Headlines for 300x250 Banners should be 15 px from the left and 15 px from the top.

HEADLINE: PAGE 7

IMAGERY Images used should take up the entire background and should remain stationary. Black gradients may be used to increase legibility, and color gradients may be used to transition into the corresponding Color Bar.

IMAGERY: PAGE 18 BRAND LINE: PAGE 16

BRAND LINE The Brand Line should be the same height as the Headline since “IN THE WEST” should always transition into “GO WEST.” COLOR FIELD The Color Field should fill the entrire last frame and should include a Subhead, Call-to-Action, Logo and the Legal. LOGO The stacked Bank of the West and BNP Paribas Logo should be used for Online Banners. When the Logo is placed over imagery, the stacked Logo in white with the green BNP Paribas emblem should be used. CALL TO ACTION The Call-to-Action should be 15 px from the left and top, Garage Gothic Bold, uppercase and lowercase, left-aligned. In this 300x250 instance, the type is 36 pts. The copy should always end in “GO WEST.” LEGAL Legal should be a minimum of 5 px from the right and bottom, Helvetica Neue 47 Light Condensed at 9 pts. Online requires “Member FDIC.”

COLOR FIELD: SEE LEFT CALL-TO-ACTION: SEE LEFT LEGAL: SEE LEFT

logo usage example

Lorem ipsum dolor sit amet, consectetur adipiscing elit. >> Learn More Member FDIC.

Table of Contents

WEALTH MANAGEMENT

WEALTH MANAGEMENT: TABLE OF CONTENTS

Wealth Management Brand Tone ..................................... 70 Brand Logos.. .............................................................71 Brand Bar Executions.. ..................................................72 Color Palette..............................................................73 EXECUTIONS Print . ...................................................................... 74 Brochures.. ................................................................ 77 Product Sheets...........................................................79 Online Banners.......................................................... 80

Table of Contents

WEALTH MANAGEMENT: BRAND TONE

Whenever possible, try to infuse these thoughts into customer-facing materials: Let people know that our approach to Wealth Management is consultative and personalized, so we can tailor services to clientsâ&#x20AC;&#x2122; specific needs. Reference the strength of BNP Paribas and that our affiliation offers stability and confidence.

Table of Contents

WEALTH MANAGEMENT: BRAND LOGOS Whether used in the vertical or the horizontal format, the Bank of the West Wealth Management Logo must include the following three elements: the bear icon, the logotype and the registration marks. It must remain stacked as shown.

70 HORIZONTAL LOCK UP: COLOR

COLORS The Bank of the West Wealth Management Logo can be represented in the following color treatments depending on the medium and the production requirements being used. CLEAR SPACE To preserve the readability and integrity of the brand Logo, it is important to adhere to the following requirements for clear space. The clear space surrounding the brand Logo is based around the size of the green emblem. The clear space should always be at least 75%, or 1/3 the size of the green emblem.

Reversed version for dark backgrounds.

HORIZONTAL LOCK UP: Black and white

SIZE The height of the horizontal Logo is equal to the cap height of the Headline, and the vertical logo is 2x the cap height of the Headline. If absolutely necessary, you may deviate for extreme vertical or horizontal executions. For print use, the minimum size of the brand Logo is based on a 0.25 inch green emblem; online is 25 px green emblem. Reversed version for dark backgrounds.

CLEAR SPACE

3 Table of Contents

WEALTH MANAGEMENT: BRAND BAR executions CLEAR SPACE The Brand Bar should always have clear space of X, which is the total height of the “B” in Bank and “W” in Wealth Management. This clear space should be maintained above and below for legibility and integrity. The Logos and URL should always be a minimum of 2x from the left and right sides.

71 CLEAR SPACE:

COLORS The Brand Bar consists of black, with grey and green gradients. No other color variations may be used in place of the Logo or URL. SIZE The height of the Brand Bar should be at least half the cap height of the Headline, never to exceed the full cap height. For on-screen display, the Brand Bar should not be less than 30 px tall. PLACEMENT The Brand Bar should always extend the full width of the page (past the trim). Ensure there is adequate space to the left of the Logo. The Logos should always be anchored on the left and the URL should always be anchored to the right of the Brand Bar. The URL is optional but recommended if size permits.

COLOR:

C=96, M=6, Y=72, K=11 + C=61, M=0, Y=46, K=0

C=10, M=4, Y=4, K=14 + C=0, M=0, Y=0, K=0

Black and white:

Table of Contents

WEALTH MANAGEMENT: COLOR PALETTE To further distinguish the Bank of the West Wealth Management brand, a specific Color Palette has been assigned. The colors were chosen to communicate stability, trust and wealth. These colors should be the primary palette used in layouts.

72 SPOT: METALLIC

SPOT: NON-METALLIC

PMS 8300 C

PMS 5635 C

Secondary Colors For secondary colors, please select from the secondary Brand Color Palette. CMYK

NEWSPAPER

C=22, M=0, Y=13, K=22

C=15, M=0, Y=6, K=22

HEX

RGB R=174, G=193, B=189

20%

30%

40% 50% 60% 70%

AEC1BD

80% 90% 100%

SECONDARY PMS 8420 C (Metallic) or PMS 5635 C (Non-metallic) C=0, M=11, Y:20, K:47 R=131, G=120, B=112 HEX=837870

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WEALTH MANAGEMENT PRINT: COLOR page ad

73 T:8” S:7.2”

RETIREMENT TENDS TO BE LESS TIRED IN THE WEST.

IMAGERY Images should be four-color and take up approx. 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline.

HEADLINE: PAGE 7

IMAGERY: PAGE 18

S:9.7”

BRAND BAR: PAGE 70 SUBHEAD: PAGE 11

Subhead The Subhead should always be 70% black over the Color Field, left aligned with the Headline.

• We can tailor a personalized suite of Banking, Investment, Trust and Estate Services to best fit your goals.

BULLETS: PAGE 12

• We’re backed by BNP Paribas, one of the strongest banks* in the world, so you can invest with confidence.

COLOR FIELD: SEE LEFT

Speak to a Private Client Advisor 1-877-898-1003 or visit bankofthewest.com/wm

*Rated AA- by Standard & Poor’s as of October 14, 2011.

BULLETS Bullets should be 70% black and left aligned.

LEGAL: PAGE 20

Investment and Insurance Products are:

MAY LOSE VALUE

BOW12025_WM_EconomistPrint_v1r1.indd

LAST REVISION: 2-24-2012 2:26 PM CLIENT Bank of the West JOB# BOW_12_025 PROJECT Wealth Management PUBLICATIONEconomist VENDOR XYZ

PRINTED AT: 100%

NOT A DEPOSIT

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOTES

LINKS

4 VERSIONS UPDATED with new, longer legal

115742549_LR.PSD (RGB; 233 PP I, 262 PPI; 64.17%, 57.07%),BOW_WM_BM_Q.A I (88.02%)

CREATED BY: Cheryln Read

BLEED 8.25” w x 10.75” h TRIM 8” w x 10.5” h LIVE 7.2” w x 9.7” h

MECHDATE 01/13/12

ECD

PROD

SCALE 100%

CLOSE DATE None

ACCT

COLOR 4C

ISSUE DATE None

PRFRD

INKS

NOT BANK GUARANTEED

FONTS

NOT FDIC INSURED

COMPONENTMagazine

Legal The Legal should always go at the bottom and be left aligned and justified.

• Our Private Client Advisors provide highly personalized and dedicated service.

For Wealth Management services focused on getting the most out of all you’ve worked for, go west.

DIVIDER LINE For use only when there is too much copy to have the subhead above the bullets. A line of at least 0.5 pt in 70% black should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar.

Color Field The Color Field should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal.

BRAND LINE: PAGE 16

T:10.5”

BRAND BAR The Brand Bar should always be placed below the image.

CMYK

GARAGEGOTHIC, MINION PRO, TRADE GOTHIC

1100 SANSOME • SAN FRANCISCO 415.477.1999 Please examine these materials carefully. Call the Production Manager immediately if you detect problems.

Table of Contents

WEALTH MANAGEMENT PRINT: COLOR NEWSPAPER Headline All Headlines should be all caps, with a minimum of 75% white over the image and left aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts. IMAGERY Images should be four-color and take up as much of the top portion as possible (given the amount the copy and legal below the brand bar).

T:4.63”

WE BELIEVE YOU SHOULDN’T HAVE TO “PRESS 3” FOR FINANCIAL GUIDANCE.

HEADLINE: PAGE 7 IMAGERY: PAGE 18 BRAND LINE: PAGE 16

Brand Line The Brand Line should always be half the cap height of the Headline.

BULLETS Bullets should be 70% black, in Garage Gothic Bold and left aligned.

A holistic approach to all of your financial needs.

•

A wide array of products including Banking, Investments, Retirement Planning and Estate Services.

•

A subsidiary of BNP Paribas, with a presence in 80 countries.

CLIENT Bank of the West JOB# BOW12069

Legal The Legal should always go at the bottom and be left aligned and justified.

PROJECT Wealth Management

COMPONENT1/4 Page

PUBLICATIONDenver Business Journal VENDOR XYZ

COPY PORTION: SEE LEFT LEGAL: PAGE 15

Securities and variable annuities are offered through BancWest Investment Services, a registered Broker/Dealer, member FINRA/SIPC. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321), through BancWest Insurance Agency in Utah and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, NC, ND, NE, NM, NV, OR, SD, WA, WI, WY, HI, GUAM & CNMI. BancWest Investment Services is not a tax or legal advisor. Please consult your tax or legal advisor for more information regarding your personal situation. BancWest Investment Services is a wholly owned subsidiary of Bank of the West and a part of the Wealth Management Group. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas. Investment and Insurance Products are: NOT FDIC INSURED

NOT BANK GUARANTEED

MAY LOSE VALUE

NOT A DEPOSIT

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

COPY Portion The Copy Portion should take up the lower 1/3 of the page and should include a KEYLINE V2 bow12069_WM_DenverBusJournal_v2r2_BWreference.indd Subhead, bullets, Body Copy, the Brand Bar and the Legal. When not printing in full-bleed, apply a 0.5 pt keyline around entire ad. LAST REVISION: 9-17-2012 2:31 PM

BULLETS: SEE LEFT

Speak to a Private Client Advisor 1-877-898-1003 or visit bankofthewest.com/wm Equal Housing Lender. Deposit and loan products offered by Bank of the West. Loans subject to credit approval. ©2012 Bank of the West. Member FDIC.

PRINTED AT: None

NOTES

LINKS

9/14, 9/28 and 10/12 issues THIS IS A COLOR TEST

142743723.JPG (RGB; 1026 PPI, -1027 PPI; 29.21%, -29.21%),BOW_WM_BM_Q. AI (59.17%)

CREATED BY: Cheryln Read

BLEED 4.63” w x 6.63” h TRIM 4.63” w x 6.63” h

MECH DATE 09/06/12

ECD

PROD

SCALE 100%

CLOSE DATE None

ACCT

COLOR 4c

ISSUE DATE see notes

PRFRD

LIVE 4.63” w x 6.63” h

INKS

DIVIDER LINE For use only when there is too much copy to have the Subhead above the bullets. A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar.

•

FONTS

Subhead The Subhead should always be 70% black, left aligned with the Headline.

We provide all of our Wealth Management clients with a Private Client Advisor to help them pursue their financial goals.

T:6.63”

Brand Bar The Brand Bar should always be placed below the image.

BRAND BAR: PAGE 70 SUBHEAD: PAGE 11

CMYK

GARAGEGOTHIC, TRADEGOTHIC

1100 SANSOME • SAN FRANCISCO 415.477.1999 Please examine these materials carefully. Call the Production Manager immediately if you detect problems.

Table of Contents

WEALTH MANAGEMENT PRINT: Black-and-white page ad Headline All Headlines should be all caps, with a minimum of 75% white over the image and left aligned with the Bank of the West Logo in the Brand Bar. Font size should be no smaller than 40 pts and no larger than 75 pts. IMAGERY Images should be grey scale and take up approx. 2/3 of the top portion. Brand Line The Brand Line should always be half the cap height of the Headline.

living in the now and planning for the later go together nicely in the west.

HEADLINE: PAGE7

IMAGERY: PAGE 18

Brand Bar The Brand Bar should always be placed below the image..

BRAND LINE: PAGE 16

Subhead The Subhead should always be 100% black, left aligned with the Headline. DIVIDER LINE For use only when there is too much copy to have the Subhead above the bullets. A line of at least 0.5 pt in white should be centered between the Subhead and bullets as well as vertically aligned with the line in the Brand Bar. BULLETS Bullets should be 100% black and left aligned.

BRAND BAR: PAGE 70 SUBHEAD: PAGE 11 For Wealth Management services focused on getting the most out of all you’ve worked for, go west.

• Our Private Client Advisors provide highly personalized and dedicated service. • W e can tailor a personalized suite of Banking, Investment, Trust and Estate Services to best fit your goals.

BULLETS: PAGE 12

• We’re backed by BNP Paribas, one of the strongest banks* in the world, so you can invest with confidence.

COPY PORTION: SEE LEFT

Speak to a Private Client Advisor 1-877-898-1003 or visit bankofthewest.com/wm *Rated AA by Standard & Poor’s as of September 19, 2011.

LEGAL: PAGE 15

NOT FDIC INSURED

NOT BANK GUARANTEED

MAY LOSE VALUE

NOT A DEPOSIT

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

COPY Portion The Copy Portion should take up the lower 1/3 of the page and should include a Subhead, bullets, Body Copy, the Brand Bar and the Legal. KEYLINE When not printing in full bleed, apply a 0.5 pt keyline around entire ad. Legal The Legal should always go at the bottom and be left aligned and justified.

Table of Contents

WEALTH MANAGEMENT: BROCHURES: FRONT PANEL HEADLINE All Headlines for SME brochures should take up the top 1/4 of the front panel in 40 pt type. COLOR FIELD The SME color should always be used for the top panels of the Brochure. Please see color section for complete breakdown. IMAGERY There should always be an image on the front panel of the Brochure, and the inside of the Brochure should feature a cropped section of the photo on the right or left side of the top. It should start a minimum of 2 inches from the top.

BUSINESS MERCHANT SERVICES: NO-FUSS TRANSACTIONS.

HEADLINE: PAGE 7 COLOR FIELD: SEE LEFT

IMAGERY: PAGE 18

BRAND BAR The Brand Bar should always be placed on the front panel of the Brochure at the bottom. It should be placed over the imagery at least 1/4 inches from the bottom.

BRAND BAR: PAGE 70

Table of Contents

WEALTH MANAGEMENT: BROCHURES: BACK PANEL

BRAND LINE The Brand Line should live in isolation above the Bank of the West and BNP Paribas Logo. It should be left aligned with the green square. LOGO The stacked Bank of the West and BNP Paribas Wealth Management Logo should be used over a white background. URL The URL should be 12 pt and in black, placed above the Legal. BRAND LINE: PAGE 16

LEGAL The Legal should always go below the Brand Bar, left aligned to the Headline and justified.

LOGO: PAGE 69 bankofthewest.com Loans subject to credit approval. Certain fees and restrictions may apply. Relationship Pricing discount applies to qualifying mortgage loans only and is subject to terms of the Relationship Pricing Promotion Agreement. Bank of the West’s Mortgage Bankers are registered loan originators with the NMLS.

LEGAL: PAGE 15

Table of Contents

WEALTH MANAGEMENT: PRODUCT SHEETS IMAGERY Imagery used on Product Sheets can be shown twice, depending on the amount of content. SUBHEAD Subheads should always be an 80% tint of the Color Field, left aligned with the “B” in the Brand Bar.

78 STACKED BARS: SEE BELOW LEFT Products and Services And a Team That Puts You First At Bank of the West, building long-

Private Banking

term relationships is the cornerstone

Offering personal service and one-on-one

of our Wealth Management strategy.

attention, our Private Client Advisors tailor

It’s an approach we’ve taken since

financial solutions to meet your needs.

1874, so whether you’re looking for

We’ll give you credit and deposit tools and

help with planning, banking, or investment solutions, we offer a

BULLETS Bullets should be an 80% tint of the Color Field. They should be left aligned with the Subhead.

wide range of products and services to help you manage your financial future—all from a team committed to putting you first.

services designed to work together to help achieve your specific objectives. Products and services include interest-bearing

IMAGERY: PAGE 18 SUBHEAD: PAGE 11

checking accounts, credit cards, and custom-designed credit solutions.1

Investment Management We analyze what you have now and help you determine how well it applies to

BULLETS: PAGE 12

your goals. We work with you and your advisors to develop a comprehensive and diversified investment strategy customized to your specific income needs, tax situation, and financial objectives. We also review alternative strategies, including a broad range of asset classes, to get a feel for what might work best for you.

BRAND BAR The Brand Bar should always be placed on the top of the page.

Personal Trust Services Bank of the West specializes in personal trust services and has an excellent reputation among estate planning professionals. Families rely on our experience for a wide variety of services, including advice and the administration of: • Revocable Living Trusts • Testamentary Trusts

LEGAL Legal should fall below the Brand Bar and should be fully justified, 100% black.

• Charitable Remainder and Lead Trusts • Conservatorships • Guardianships

All loans subject to credit approval under the Bank’s standard credit underwriting policies.

Please see back page for important disclosures.

STACKED BAR SPECS

BRAND BAR: PAGE 70 LEGAL: PAGE 15

Table of Contents

WEALTH MANAGEMENT: ONLINE BANNERS: 300x250 HEADLINE All Headlines for 300x250 Banners should be 15 px from the left and 15 px from the top.

HEADLINE: PAGE 7

BRAND BAR AND LOGO The Brand Bar (preferred) should always be placed on the bottom of the Banner, with no URL. When there is a color field and no imagery, the logo can be used in leiu of the brand bar. IMAGERY Images used should take up the entire background and should remain stationary. Black gradients may be used to increase legibility, and color gradients may be used to transition into the corresponding Color Bar. COLOR FIELD The Color Field should fill the entrire last frame and should include a Subhead, Call-to-Action, Logo and the Legal.

LEGAL Legal should be a minimum of 5 px from the right and bottom, Helvetica Neue 47 Light Condensed at 9 pts. Online requires “Member FDIC.”

BRAND BAR: PAGE 70 IMAGERY: PAGE 18

BRAND LINE: PAGE 16

COLOR FIELD: SEE LEFT

Brand Line The Brand Line should be at least half the height the headline and ledgible. If the Headline contains the words “IN THE WEST,” it should always transition into “GO WEST.” CALL TO ACTION The Call-to-Action should be Garage Gothic Bold, uppercase and lowercase, left aligned. In this 300x250 instance, the type is 36 pts.

CALL-TO-ACTION: SEE LEFT

logo usage example

Lorem ipsum dolor sit amet, consectetur adipiscing elit.

LEGAL: SEE LEFT

>> Learn More Member FDIC.

Table of Contents

BANCWEST INVESTMENT SERVICES

BANCWEST INVESTMENT SERVICES: TABLE OF CONTENTS

Brand Tone . ............................................................. 83 Logos.. .................................................................... 84 Brand Bar Executions.. ................................................. 85 Color Palette............................................................. 86 EXECUTIONS Posters.. ...................................................................87 Print: Take-Ones......................................................... 88 Print: Direct Mail ........................................................ 89 Emails..................................................................... 90

Table of Contents

BANCWEST INVESTMENT SERVICES: BRAND TONE

BancWest Investment Services is a separate entity from Bank of the West, so when referring to the products and services they provide, be sure to avoid giving the impression that Bank of the West can provide it all. Bank of the West can offer referrals for to BancWest Investment Services professionals for consultations.

Table of Contents

BANCWEST INVESTMENT SERVICES: LOGOS

Whether used in the vertical or the horizontal format, the BancWest Investment Services Logo must include the following three elements: the bear icon, the logotype and the registration marks. It must remain stacked as shown. It can be represented in the following treatments, depending on the medium and the production requirements being used.

HORIZONTAL LOCK UP: COLOR

COLORS The Bank of the West Commercial Logo can be represented in the following color treatments, depending on the medium and the production requirements being used.

HORIZONTAL LOCK UP: Black and white

CLEAR SPACE To preserve the readability and integrity of the Brand Logo, it is important to adhere to the following requirements for clear space. The clear space surrounding the Brand Logo is based around the size of the green emblem. The clear space should always be at least 75%, or 1/3 the size of the green emblem. SIZE The height of the horizontal Logo is equal to the cap height of the Headline, and the vertical logo is 2x the cap height of the Headline. If absolutely necessary, you may deviate for extreme vertical or horizontal executions.

Reversed version for dark backgrounds.

For print use, the minimum size of the Brand Logo is based on a 0.25 inch green emblem, online is 25 px green emblem.

CLEAR SPACE

Table of Contents

BANCWEST INVESTMENT SERVICES: BRAND BAR executions CLEAR SPACE The Brand Bar should always have clear space of X, which is the total height of the “B” in Bank and “W” in Wealth Management. This clear space should be maintained above and below for legibility and integrity. The Logos and URL should always be a minimum of 2x from the left and right sides.

CLEAR SPACE:

COLOR: C=96, M=6, Y=72, K=11 + C=61, M=0, Y=46, K=0

C=10, M=4, Y=4, K=14 + C=0, M=0, Y=0, K=0

PLACEMENT The Brand Bar should always extend the full width of the page (past the trim). Ensure there is adequate space to the left of the Logo. The Logos should always be anchored on the left and the URL should always be anchored to the right of the Brand Bar. The URL is optional but recommended if size permits.

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BANCWEST INVESTMENT SERVICES: COLOR PALETTE To further distinguish the BancWest Investment Services brand, a specific Color Palette has been assigned. These colors were specifically chosen and should be the primary palette used in layouts.

85 SPOT PMS 5425 C

CMYK

NEWSPAPER

C=38, M=12, Y=8, K=21

C=38, M=9, Y=7, K=18

HEX

RGB R=151, G=182, B=198

20%

30%

40% 50% 60% 70%

96b6c5

80% 90% 100%

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BANCWEST INVESTMENT SERVICES: POSTERS HEADLINE All Headlines for Posters should be all caps, with a minimum of 75% white over the image. They should be left aligned with the Subhead and Legal. Ideally in 50 to 65 pts with -20 kerning.

Out here, retirement accounts come with a $600* head start.

IMAGERY Images used on Posters should take up approximately 1/4 of the top portion. BRAND LINE The Brand Line should always be half the cap height of the Headline, placed over the image below the Headline. Note the additional line under GO WEST for Investment Services CALL-TO-ACTION The Call-to-Action should always match the transparency of the Headline and Brand Line. It should be placed below the Brand Line and above the Brand Bar. The font size should be 79.5 pts with 70 pt leading and -10 kerning. BRAND BAR The Brand Bar should always be placed on the bottom of the page, below the Call-to-Action and above the Legal.

86 HEADLINE: PAGE 7

IMAGERY: PAGE 18 BRAND LINE: PAGE 16 INVEST WEST.

To learn more visit bankofthewest.com/retirementoffer or call a retirement consultant at (888) 808-2947.

CALL-TO-ACTION: PAGE 11 BRAND BAR: PAGE 24

This offer is only available to individuals who are new or existing BancWest Investment Services, Inc. (“BWIS”) customers. Customers with “Qualifying Assets” (as defined below) of $25,000-$49,999.99 may receive a bonus in the amount of $100; Qualifying Assets of $50,000-$99,999.99, may receive $200; Qualifying Assets of $100,000-$249,999.99, may receive $300; Qualifying Assets of $250,000 or more, may receive $600. The amount of the bonus will be determined by Qualifying Assets deposited into an “Eligible Account” (as defined below) following a 60 calendar day review period (“Review Period”) after BWIS receives the Qualifying Assets. For purposes of this offer, “Qualifying Assets” shall mean assets (including cash and securities) deposited or transferred into an Eligible Account from outside BWIS or any BWIS affiliate, minus assets withdrawn or transferred out of the account within the Review Period. Qualifying Assets of cash and/or securities will be valued at the time BWIS receives such assets. “Eligible Accounts” are BWIS accounts with assets that are only held by Pershing LLC. This bonus offer is not available for accounts with assets that are not held by Pershing LLC, including 529 plans, life insurance, and certain annuities. To qualify for this offer: (i) a new Eligible Account must be opened between August 19, 2013 and April 15, 2014 and funded within 60 calendar days of account opening with assets held outside BWIS and any BWIS affiliate; or (ii) an existing Eligible Account must be funded between August 19, 2013 and June 14, 2014 with assets held outside BWIS and any BWIS affiliate. The minimum Qualifying Assets must be maintained in the Eligible Account for one year from the date on which BWIS receives such assets. Failure to maintain the minimum Qualifying Assets for one year from the date on which BWIS receives such assets gives BWIS the right to reclaim the bonus. An early closure fee of $25 will apply if an Eligible Account is closed within 91 days of the account opening date. If the qualifications for this offer are met, the bonus will be credited to the Eligible Account within 45 days following the Review Period. The bonus will be paid directly to the Eligible Account and will not be paid to any other account. The value of the bonus may be deemed taxable income, and the customer may receive a Form 1099 reflecting the value of the bonus. Customers should consult a tax professional to determine the appropriate tax treatment for this bonus offer. Employees or associated persons of FINRA, any FINRA member firm (other than BWIS), or a U.S. exchange are not eligible for this offer. This offer is limited to one per customer. Offer only valid in the United States. BWIS reserves the right to modify or cancel this offer at any time. Other restrictions or terms and conditions may apply.

ecurities and variable annuities are offered through BancWest Investment Services, a registered Broker/Dealer, member FINRA/SIPC. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/ S insurance products are offered through BancWest Insurance Agency in California, (License #0C52321), through BancWest Insurance Agency in Utah and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, WA, WI, WY, HI, GUAM & CNMI. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.

LEGAL: PAGE 15 COLOR FIELD: SEE LEFT

ancWest Investment Services is a wholly owned subsidiary of Bank of the West and a part of the Wealth Management Group. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned B subsidiary of BNP Paribas.

Investment and Insurance Products are: NOT FDIC INSURED

COLOR FIELD The Color Field should take up approximately 1/4 of the lower portion and should include the Subhead, Logo and Legal. LEGAL The Legal should always be placed at the very bottom of the page, left aligned to the Headline and right aligned to the Logo. For multiple lines of Legal, the type should be justified. For single lines of Legal, the type may be left justified.

NOT BANK GUARANTEED

MAY LOSE VALUE

NOT A DEPOSIT

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Form #810-01220 (09/13)

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BANCWEST INVESTMENT SERVICES: TAKE-ONEs HEADLINE All Headlines for Take-Ones should be all caps, with a minimum of 75% white over the image in 40 pt type. They should be left aligned with the Subhead. IMAGERY Images used on Take-Ones should take up approximately 1/4 of the top portion. BRAND LINE The Brand Line should always be half the cap height of the Headline, placed over the image below the Headline. Note the additional line under GO WEST for Investment Services

TAX-TIME IS A GREAT TIME TO CONTRIBUTE TO YOUR RETIREMENT.

FUNDING AN IRA FOR YOUR FUTURE COULD HELP REDUCE TAXES TODAY. Contributing to your IRA before the tax filing deadline does two things: it helps provide for your retirement, and it may save you some money at tax time. BancWest Investment Services Financial Advisors are ready to sit down with you, answer any questions you might have, and help you manage your options.

• Mutual Funds • Annuities • Insurance To get started: - Make an appointment with a BancWest Investment Services Financial Advisor at a local branch - Visit bankofthewest.com/invest - Call 888-808-2947 Securities and variable annuities are offered through BancWest Investment Services, a registered Broker/Dealer, member FINRA/SIPC. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321), through BancWest Insurance Agency in Utah and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, NC, ND, NE, NM, NV, OR, SD, WA, WI, WY, HI, GUAM & CNMI. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.

See reverse for details.

HEADLINE: PAGE 7

BancWest Investment Services can help you develop solutions designed to meet your retirement goals with a comprehensive array of products and services that includes:

INVEST WEST.

LEGAL The Legal should always be placed at the very bottom of the back panel, left aligned to the Subheads. For multiple lines of Legal, the type should be justified. For single lines of Legal, the type may be left justified. LOGO The stacked Bank of the West and BNP Paribas Investment Services Logo should be used in white over the color field.

BRAND LINE: PAGE 16 IMAGERY: PAGE 18 LEGAL: PAGE 15

BancWest Investment Services is a wholly owned subsidiary of Bank of the West and a part of the Wealth Management Group. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas. Withdrawals from qualified retirement accounts are subject to ordinary income tax and, if taken prior to age 59 ½, may be subject to a 10% federal tax penalty. Investment and Insurance Products are: NOT FDIC INSURED NOT A DEPOSIT

NOT BANK GUARANTEED

MAY LOSE VALUE

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

LOGO: PAGE8 3

Form #810-01214 (09/13)

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BANCWEST INVESTMENT SERVICES: DIRECT MAIL

Subhead The Subhead should always be 100% white over the imagery or 100% PMS 8023 over white, left aligned with Body Copy. BODY COPY The body copy should be 90% black over white, left aligned with the Subheads and justified if possible. Color Field The Color Field should be used behind the first Subhead and Body Copy, and it will vary in sizes based on the amount of content. Legal The Legal should be placed on the right middle panel, 100% black over a white background. It should be justified with the Subhead and Body Copy.

Headline: PAGE 7

IMAGERY: PAGE 18

See Inside for Details.

for tax-time answers to your ira questions, go west.

LOGO: PAGE 21 P.O. Box 193718 • San Francisco, CA 94119-3718

Brand Bar The Brand Bar should always be placed over the imagery on the bottom of the front panel only.

Sample Sample 123 Street Address City, State 12345

IMAGERY Images should be four-color and take up the entire outside front panel and the far left inside panel. LOGO For Direct Mail, the Bank of the West and BNP Paribas Logos should be on one line, black with the green BNP Paribas square. This should only live on the outside back panel, with the return address below.

For tax-time answers to your IRA questions, go West.

PRSRT STD U.S. POSTAGE PAID BANK OF THE WEST

Headline All Headlines for Direct Mail should be all caps, with a minimum of 75% white over the image. They should be left aligned with the Bank of the West Logo in the Brand Bar.

See Inside for Details.

BRAND BAR: PAGE 24

OUTSIDE Schedule a consultation today.

Funding an IRA for your future can help reduce taxes today.

Visit bankofthewest.com/planning or stop by your local branch to learn more and to schedule your complimentary 30-minute consultation with a BancWest Investment Services Financial Advisor.

If you are looking for tax-time answers to your IRA questions, the BancWest Investment Services Financial Advisors are ready to sit down with you, answer any questions you might have and offer solutions to help meet your retirement goals.

To see how an IRA contribution may affect your taxes, call before April 17 to schedule an appointment at the location listed below:

BancWest Investment Services Financial Advisors can help you develop solutions that meet your retirement goals, with a comprehensive array of products and services that also includes: Funds: BancWest Investment Services can help you build a diversified portfolio with professionally managed mutual funds. You can choose from a variety of mutual funds based on your needs, comfort with risk, and investment goals.

Subhead: PAGE 11 BODY COPY: SEE LEFT Color Field: SEE LEFT

<<First Name>><<Last Name>> << Branch Manager>> <<123 Address>> <<City, ST 12345>> <<(000) 000-0000>>

• Mutual

• Annuities:

Annuities can help to provide retirement income when you stop working and can offer payments to beneficiaries. A BancWest Investment Services Financial Advisor can help find an annuity that may be right for your retirement goals.

• Insurance: Life insurance can help ensure the money is available when

your family needs it most. The right type and amount of insurance lets you rest easy knowing that you, your spouse, your family, and your business are protected.

Investments, annuities and insurance products are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC. Financial Professionals are registered representatives of BancWest Investment Services.

Legal: PAGE 15

Investors should carefully consider the fund’s investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus and, if available, the summary prospectus contain this and other information about the investment company. The prospectus and, if available, a summary prospectus can be obtained from your Financial Professional. The prospectus and, if available, the summary prospectus and should be read carefully before investing. Withdrawals from qualified retirement accounts are subject to ordinary income tax and, if taken prior to age 59 ½, may be subject to a 10% federal tax penalty. BancWest Investment Services is a wholly owned subsidiary of Bank of the West. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas. Investment, Annuity and Insurance products are: Not insured by FDIC or any government agency • May lose value • Not a deposit • Not guaranteed by Bank of the West.

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