Agenda packet — Livingston City Council, September 19, 2023 (part 2 of 4)

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(c) Claims on the Account. You also grant us the right to terminate or place a hold on, and dishonor all Items drawn on the Account that you have assigned or in which you have granted a security interest to any third party (whether or not we consented to such security interest). Upon receipt of oral or written notice from any party of a claim regarding the Account, we may place a hold on the Account. You agree to indemnify us for and defend and hold us harmless from and against our failure or refusal to honor any Item drawn on a pledged or encumbered Account or any other withdrawal instruction.

37. Legal Process
We may comply with any writ of attachment, adverse claim, execution, judgment, garnishment, tax levy, citation to discover assets, turnover or restraining order, subpoena, warrant or other legal process, however served or made which we believe to be valid. Any such legal process is subject to our security interest and rights of set-off. We may, in our sole discretion, respond to legal process by placing a hold on funds in the Account subject to such legal process, close the Account, or interplead the funds. You agree to pay us all of our fees and expenses, including reasonable attorneys’ fees in responding to any such legal process, which fees and expenses may be charged against the Account even if an overdraft is created. We may also create a hold on the Account in anticipation of such fees and expenses. We will have no liability for complying with such legal process, or if there are insufficient funds available in or another restriction on the Account because of actions we take in response to such legal process. We may also place a hold on the Account and conduct an investigation if we suspect there to be fraud or illegal activity associated with the Account.

38. Accounts That May Be Eligible for Pass-Through Deposit Insurance This section applies as of the compliance date of the FDIC’s Rules and Regulations for Recordkeeping for Timely Deposit Insurance Information, 21 CFR Part 370. If you have opened an Account on behalf of the beneficial owner(s) of the funds in the Account (for example as an agent, nominee, guardian, executor, custodian or in some other capacity for the benefit of others), the Account may be eligible for “pass-through” deposit insurance from the FDIC. This means the Account could qualify for more than the standard maximum deposit insurance amount. For such Accounts, in order for us to comply with §370.5(a) of the FDIC’s Rules and Regulations, if the Account has transactional features (such as check writing capability and/or the use of Debit Cards) as defined in § 370.2(j) of the FDIC’s Rules and Regulations, you must agree to provide a record of the interests of the beneficial owner(s) in accordance with the FDIC’s requirements as specified below. Following these procedures may minimize the delay that these beneficial owner(s) may face when accessing their FDIC-insured funds in the event of a bank failure. Section 370 of the FDIC’s Rules and Regulations can be accessed on the FDIC’s website at https://www.fdic.gov/regulations/laws/rules/2000-9200.html.

The FDIC has published a guide that describes the process to follow and the information you will need to provide in the event the bank fails. In addition, the FDIC has published an addendum as section VIII of the guide (the “Addendum”), which is a good resource to understand the FDIC’s alternative recordkeeping requirements for pass-through deposit insurance. The Addendum sets forth the FDIC’s expectations for demonstrating eligibility for pass-through deposit insurance coverage for deposit accounts, including those with transactional features. The Addendum also describes the records you should keep on the beneficial owner(s) of the funds and the format in which to provide the records to the FDIC in the event the bank fails.

The Addendum can be accessed on the FDIC’s website at https://www.fdic.gov/deposit/deposits/brokers/part-370- appendix.html.

You agree to cooperate fully with us and the FDIC in connection with determining the insured status of funds in the Account at any time. In the event the bank fails and the FDIC is appointed as its receiver, you agree to provide the FDIC with the information described above in the required format within 24 hours of bank failure for all Accounts with transactional features and any other Accounts to which you need rapid access. As soon as the FDIC is appointed, a hold or freeze may be placed on the Account so that the FDIC can conduct the deposit insurance determination. That hold or freeze will not be released until the FDIC obtains the information required to enable the FDIC to calculate the deposit insurance. You

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understand and agree that your failure to provide the required information to the FDIC may result in a delay in receipt of insured funds by the beneficial owner(s) and legal claims against you from the beneficial owner(s). This Agreement survives after the FDIC is appointed as our receiver, and as a result, the FDIC shall be entitled to enforce the terms of this section.

39. Governing Law
This Agreement, the Account, and transactions in the Account are subject to the laws and regulations of the United States and of the State of Illinois (including the Illinois Uniform Commercial Code, as in effect from time to time), and applicable rules and regulations. To the extent any such laws, rules or regulations may be modified or supplemented by agreement of the parties and the provisions of this Agreement or any other agreement or document applicable to the Account or transactions have done so, you and we agree to such modifications and supplements. To the extent any term or condition in this Agreement is inconsistent with such laws, rules or regulations it will be deemed modified and applied in a manner consistent with such laws, rules or regulations.

40. Certain Instructions
If you ask us to follow instructions which we believe expose us to potential liability or claims, we may refuse to follow your instructions, or we may require a surety bond or other protections satisfactory to us, such as your indemnity, before we follow the instructions.

41. Inactive Accounts
If an Account has had no withdrawal or deposit activity, and we have had no contact from you regarding the Account for eighteen (18) months, we may consider the Account inactive and stop sending Account statements. Service fees and other terms applicable to active accounts will apply to the Account while it is inactive except where prohibited by law. An inactive Account may be subject to additional fees. You understand that under state abandoned property laws, we must turn over to the state the Account if it has been inactive for a specified period of time as prescribed by applicable law.

42. Relationship
The relationship created by any deposit is that of debtor and creditor and otherwise the relationship between us is that of independent contractor. No fiduciary or other special relationship exists except as required by law.

43. Recording
You authorize us to monitor, record, and retain telephone calls, electronic messages and other data transmissions at any time without notice for any reason including to provide a record of instructions with respect to the Account, but we are not obligated to do so.

44. Miscellaneous
If any provision of this Agreement is determined to be invalid, illegal, or unenforceable in any respect, the validity, legality or enforceability of the remaining provisions of this Agreement will not be affected or impaired as a result. We may waive any provision of this Agreement, but the waiver will apply only to that provision and on that occasion. In no event is any waiver or series of waivers to be construed as creating or requiring a waiver of any provision in the future.

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45. Facsimilies and Email
We may, in our discretion, accept facsimiles of Account documentation and related matters as originals. Email communications from you, including instructions, are not binding on us and do not constitute notice to us as contemplated by this Agreement unless we otherwise expressly agree in writing.

46. Claims Subject to Arbitration
We and you agree to arbitrate all disputes or claims between you and us arising out of or relating in any way to the Account or this Agreement, any other agreement related to the Account, or any transactions arising hereunder or thereunder, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory. This arbitration provision is intended to be broadly interpreted and to cover, without limitation, any claims that arose before the effective date of this Agreement or any prior agreement governing the Account (including, but not limited to, claims relating to advertising, promotions, or disclosures) and any claims that may arise after the termination of this Agreement.

This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act, 9 U.S.C. § 1 et. seq., governs the interpretation and enforcement of this provision. An American Arbitration Association (“AAA”) arbitrator will decide the substance of all Claims in accordance with all applicable law, including recognized principles of equity and statutes of limitations, and will honor all claims of privilege recognized by law.

Unless both you and we agree otherwise, each party must bring all related or similar Claims in a single arbitration proceeding. If you or we later initiate a subsequent arbitration asserting Claims that are related or similar to ones that were raised by such party in an earlier-filed arbitration, the AAA or the arbitrator will either: (i) consolidate the subsequent arbitration with the earlier proceeding if it is ongoing or (ii) dismiss the subsequent arbitration if it raises Claims that would be barred by applicable law if brought in court.
(a) Notice of Dispute and Arbitration Procedures. A party who intends to pursue a Claim must first send to the other a letter describing the Claim and containing the information described below (a “Notice of Dispute”). Any Notice of Dispute sent to us should be addressed to:

BMO Harris Bank N.A.

Documentation Analysis and Control
111 West Monroe Street 9 Center
Chicago, IL 60603
Any Notice of Dispute sent to you by us will be sent to the address in our records that is associated with the Account at the time the Notice of Dispute is sent. The Notice of Dispute must (a) describe the nature and basis of the Claim; (b) set forth the specific relief sought; (c) set forth the name and address of the claimant; and (d) include the Account numbers and/or the provision of the applicable agreement to which the Claim relates. If we and you do not reach an agreement to resolve the Claim described in the Notice of Dispute within forty-five (45) days after the Notice of Dispute is received, you or we may commence an arbitration proceeding with AAA. If you or we attempt to commence arbitration proceedings before providing the requisite Notice of Dispute, the other party may inform the AAA of this agreement and direct it to refrain from commencing administration of arbitration proceedings until the requisite time period for notice has passed. Neither you nor we will disclose to the arbitrator the existence, amount, or terms of any settlement offers made by either party until after the arbitrator issues a final award resolving the Claim.

The arbitration will be governed by the AAA’s Commercial Dispute Resolution Procedures, as amended from time to time (the “AAA Rules”) as modified by this Agreement, and will be administered by the AAA.

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The arbitrator is bound by the terms of this Agreement. All issues are for the arbitrator to decide, except that issues relating to the arbitrability of Claims or the scope, and enforceability of this arbitration provision, including the interpretation of the prohibition of class and representative actions and non-individualized relief, are for the court to decide. The right to a hearing will be determined by the AAA Rules. Any in-person arbitration hearing will take place in Chicago, Illinois. Regardless of the manner in which the arbitration is conducted, the arbitrator, upon the request of either party made prior to the closing of the hearing (or, if there is no oral hearing, prior to or along with submission of final documents to the AAA), will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award, if any, is based. Unless otherwise agreed by you and us, any award will be rendered by the arbitrator not later than fourteen (14) days from the date of the closing of the hearing or, if there is no oral hearing, from the date of the AAA’s transmittal of the final statements and proofs to the arbitrator in accordance with the AAA Rules.
(b) Prohibition of Class and Representative Actions and Non-Individualized Relief. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual Claim; any injunctive relief must be individualized in nature and cannot affect individuals other than the claimant. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN

YOUR OR OUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, OR AS A PRIVATE ATTORNEY GENERAL OR ON BEHALF OF THE GENERAL PUBLIC. Further, unless both you and we agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. If a court decides that any part of this arbitration provision (other than the prohibition of class or representative actions and/or consolidation) is invalid or unenforceable, the other parts of this arbitration provision will still apply. However, if a court decides that this paragraph’s prohibition of class or representative actions and/or consolidation is invalid or unenforceable, then the entirety of this arbitration provision will be null and void. (c) Access to Government Agencies. This arbitration provision does not preclude you from bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against us on your behalf.
(d) Other Remedies. This arbitration provision and the exercise of any of the rights you and we have under this provision will not prohibit you or us from exercising any lawful rights either you or we have to use other remedies available to preserve, foreclose or obtain possession of real or personal property or exercise self-help remedies, including set-off rights as described in this Agreement.

47. Amendment
From time to time, we may amend, add to or change (an “amendment”) the provisions of this Agreement. Amendments will be communicated by notice given to you by mail or if permitted by law, electronic notice, and will be effective on the date indicated in the notice. If an effective date is not indicated, the effective date will be ten (10) Business Days from the date the notice was sent. If you do not wish to be bound by an amendment, you may close the Account before the effective date of the amendment. Your continued use of the Account after the effective date is deemed your agreement to the amendment. Any other amendment will be effective only if it is in writing and signed by our duly authorized officer.

A change in our interest rates, fees or service charges, funds availability or operating procedures does not constitute an amendment of this Agreement and we may effect such changes without prior notice to you.

48. Entire Agreement
This Agreement, including our Funds Availability Policy and information specifically referred to in this Agreement, and any separate service or master agreement in effect constitutes the entire agreement between us regarding the subject matter

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of this Agreement and supersedes any and all prior representations, warranties, understandings and proposals. There are no oral agreements between us. You acknowledge that you have not relied on any representation or warranty, express or implied, or other understanding or proposal not contained in this Agreement, the Funds Availability Policy or information specifically referred to in this Agreement, or any separate service or master agreement in effect. This Agreement is binding upon and for the benefit of the account owners, their permitted successors and assigns, and us and our successors and assigns. This Agreement also applies to each of your subsidiaries and affiliates which have an Account with us or have access to the Account as if it were a party to this Agreement. You represent and warrant to us that you have the authority to act for and bind such subsidiaries and affiliates to this Agreement, and agree to be responsible for any unpaid fees, charges or other obligations of such subsidiaries or affiliates. Otherwise, except as expressly provided in this Agreement, this Agreement is not for the benefit of any other person, and no other person will have any right against you or us in connection with this Agreement.

49. Cash Withdrawals
If you request to withdraw large amounts in cash, we may place reasonable restrictions on the time and place of your withdrawal based on our security and operational considerations.

50. Defined Terms
Available Balance — means the most current record we have about the balance in the Account that is available for withdrawal from the Account.

Business Day — means every day except Saturdays, Sundays or federal holidays.

Item — includes a check, draft, demand draft, preauthorized draft, or other order or instruction for the payment, transfer, or withdrawal of funds (including a withdrawal slip), and electronic transactions (including ACH, ATM and POS).

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Our general policy for Commercial Checking Accounts (including Commercial Checking, Commercial NOW and Commercial Money Market) is to make the funds from your wire transfers and electronic direct deposits available to you on the Business Day we receive the deposit. Funds from cash deposits will be made available to you on the day of deposit. Funds from check deposits will be made available to you according to the Availability Schedule assigned to your check deposits. The length of delay varies depending on the type and method of deposit, and is explained below. Once the funds are available, we will use the funds to pay checks you have written or you can withdraw the funds in cash.

Determining Availability
For purposes of this Funds Availability Policy, every day is a “Business Day” except Saturdays, Sundays and federal holidays. If you make a deposit before our cut-off time on a Business Day that we are open, we will consider that day to be the day of your deposit. The cut-off time for deposits made at a branch is the closing time of the branch where the deposit is made. Deposits made at a night drop location or night depository will be retrieved and verified by us once at the beginning of each Business Day. Therefore, if you use a night drop during the day, that deposit will not be considered received by us until the next Business Day when we retrieve it and process it. The cut-off time for deposits made in connection with certain banking services that we offer may vary; the earliest cut-off time is 4:00 p.m. Central Time (except with respect to certain vault services, for which cut-off times range between 1:00 p.m. ET and 5:00 p.m. PT). Please review the service agreements that govern these banking services to determine the applicable cut-off times. If you make a deposit after our cut-off time or on a day that we are not open, we will consider that the deposit was made on the next Business Day we are open.

Immediate Availability
Cash deposited at branches or through the mail before the cut-off times listed above will be available for immediate use on the day that we receive the deposit. Because we cannot process deposits made until we receive them, we strongly recommend that you do not send cash deposits through the mail. Cash deposited after the cut-off times will be available on the next Business Day after we receive the deposit.

Same Day Availability
Funds from the following types of deposits will generally be available on the Business Day we receive the deposit:
 Federal Reserve Bank wire transfers
 Preauthorized electronic credits
Next Day Availability
Funds from the following types of deposits will generally be available on the next Business Day after the day we receive the deposit:
 U.S. Treasury checks
 Checks drawn on and drafts payable through us.
 Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders  State and local government checks
 Checks drawn on banks located inside the United States of America Other Check Deposits
Subject to Section 9 of the Commercial Account Agreement, funds from all other checks will generally be available no later than the second Business Day after the day of your deposit. The first $225 of these deposits, however, will be available on the first Business Day after the day of your deposit.

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Cashing a Check Not Drawn On Us
If we cash a check that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your checking account or another account you have with us (or one of our affiliates). Those funds will be available at the time funds from the check we cashed would have been available had you deposited it.

Longer Delays May Apply To Some Deposits
In some cases, we will not make all of the funds that you deposit by check available to you as described above. In these cases, funds will generally be available on the second Business Day after we receive your deposit; however, the first $225 of your deposit, will still be available on the first Business Day. If we are going to delay availability, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly through one of our employees, or if we decide to take this action after you leave the premises, we will mail you the notice no later than the day after we receive your deposit. We will also tell you when the funds will be available. If your deposit is not made directly through one of our employees, or if we decide to take this action after you leave the premises, we will mail you the notice no later than the day after we receive your deposit.

If you will need the funds from a deposit immediately, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
 If we believe a check deposited will not be paid
 If deposited checks total $5,525 or more on any one day  If you redeposit a check that has been returned unpaid  If you have overdrawn your account repeatedly in the last six months  If there is an emergency situation such as a failure of communications or computer equipment, or severe weather We will attempt to notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. Funds will generally be available no later than the seventh Business Day after the day of your deposit.

Additional Information Concerning Your Accounts
Endorsement Requirements
Payee endorsements are restricted by federal law to an area up to 1.5 inches from the trailing edge of a check. The trailing edge is defined as the left side of the check when looking at it from the front. The endorsement area reserved for the bank of first deposit is the area 3.0 inches from the leading edge of the check and 1.5 inches from the trailing edge of the check. The leading 3.0 inches is the area designated for endorsements of subsequent collecting banks. While checks may vary in size, the size of the areas designated for payee endorsement will always be as described above.

Legibility of Endorsements
Endorsements or other writing or markings on the reverse side of checks by issuers, payees, or endorsers should be limited to the space reserved for the payee’s endorsement as described above. Otherwise, the endorsement of the depository bank may be obscured, and this may delay the return of the check or the notice of nonpayment. You shall be liable for any loss or damages arising from this condition.

Sufficient Balances
While funds will be made available based on the preceding time frames, you remain responsible for ensuring that sufficient ledger balances and Available Balances are kept or deposited to cover all withdrawals and other charges against the Account. If a deposited check is returned unpaid, we retain the right to charge that item back to the Account even though the funds for that check were made available. You remain responsible to immediately repay any overdrafts.

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If you have any questions regarding this policy, or about the availability of any deposit you make, please contact the Client Response Center at 1-877-895-3278.

International Items
All international items should be directed to:

Mailing Address: Overnight / Courier:

BMO Harris Bank BMO Harris Bank
Naperville Operations Center Naperville Operations Center Attn: Foreign Collections Attn: Foreign Collections
PO Box 5731 1200 E. Warrenville Road
Carol Stream, IL 60197 Naperville, IL 60593
Availability Schedules are subject to change without notice.

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 74
Exhibit 4: Contract for Deposit of Public Funds
A Contract for Deposit of Public Funds can be found on the following page(s).

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CONTRACT FOR DEPOSIT OF

PUBLIC FUNDS
[California – Inactive and Active]
Depository: Bank of the West
Local Agency:

Agent of Depository:

Security Safe keeper:

Depository’s Net Worth as of
Depository’s Paid-up Capital and Surplus:

Depository’s Most Recent CRA Rating:

Effective Date of this Agreement:

This Contract for Deposit of Public Funds (“Agreement”) is made by and between Bank of the West (“Depository”) and Treasurer of the local agency named above (“Agency”) on behalf of the Agency with respect to the Agency’s deposit of funds with Depository. This Agreement, supplements the applicable Deposit Account Disclosure and Safe Deposit Box Rental Agreement Terms and Conditions, Schedule of Fees and Charges for Business Deposit Accounts, current Rate Sheet, the Agency’s signature card and other addenda that may be provided to you with reference to the Agency’s deposit accounts as those documents are added to, deleted from or otherwise amended from time to time (“Account Agreement”). Any inconsistency between this Agreement and the Account Agreement shall be controlled by this Agreement.

Depository and Agency agree, as follows:

1. Governing law. This Agreement is entered into pursuant to California Government Code Title 5, Division 2 (the “Code”). (Note: all sections referenced in this Agreement shall be to the California Government Code).

2. Agency Representations. Agency has determined that the deposit accounts and services contracted for in the Account Agreement and covered in this Agreement are to the public advantage. The person(s) executing this Agreement on behalf of Agency represent and warrant that: (a) they are authorized by the Agency and under applicable law to bind the Agency to this Agreement; (b) no further approval by any other person, board or governing body is required to make this Agreement effective and binding on the Agency; and (c) Agency’s funds may be deposited with Depository in accordance with this Agreement.

3. Depository Representations. Depository represents and warrants that its net worth and latest Community Reinvestment Act rating are as set forth at the top of this Agreement.

4. Interest. Interest shall accrue on interest-bearing accounts maintained by Agency at the rate set forth in Agency’s Account Agreement with Depository. If Depository does not have a system that can accrue interest on a 360-day basis for inactive deposits, Depository may increase the rate of interest on the account so that the interest yield is equivalent to an account where interest is calculated on a 360-day basis. Interest shall be paid quarterly or more frequently, as set forth in the Account Agreement.

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5. Expenses. Unless otherwise agreed by the parties: (a) Depository shall bear the expense of transportation of eligible securities maintained as collateral to and from the designated Agent of the Depository; (b) Agency shall bear the expense of transportation of funds to and from Depository; and (c) Depository shall handle, collect, and pay checks, drafts, and other exchange for the fees set forth in the Account Agreement between Depository and Agency.

6. Other Deposit Terms. Each deposit shall be subject to the terms of the Account Agreement between Depository and Agency.

7. Deposits. At the time of each deposit, Depository will issue a receipt to Agency. Each deposit shall be subject to the terms of this Agreement and the Account Agreement, which shall state if and when interest is to be paid, the rate of interest, the duration of the deposit, and the terms of withdrawal.

8. Security for Deposits; Waiver of Security for Deposits Insured by Federal Law; Authorization to Collateralize Deposits with Letters of Credit Issued by the Federal Home Loan Bank of San Francisco. Depository shall at all times maintain the required amount of eligible securities with the Agent of Depository named above to secure the deposits of the Agency, in accordance with the Code. The Agent of Depository is authorized to place such securities for safekeeping with the bank named above as “Security Holder” or with any Federal Reserve Bank or branch thereof or with any other Approved Agents of Depository, in accordance with Section 53659.

Pursuant to Section 53653, Treasurer waives security for the portion of any deposits that is insured pursuant to federal law. Treasurer also waives security for the interest accrued on the deposits which, when added to the local agency deposits, would cause the sum of the interest and deposits to exceed the maximum amount insured pursuant to federal law, provided the interest is computed by the depository on the average daily balance of the deposits, paid monthly and computed on a 360-day basis.

Treasurer consents that Depository is hereby authorized to collateralize the deposits of the agency with letters of credit issued by the Federal Home Loan Bank of San Francisco provided those letters of credit comply with Section 53651.6.

Depository may add, substitute or withdraw securities being used as security for deposits in accordance with Section 53654. Depository shall not interchange classes of security, as defined in Section 53632.5, without the prior written approval of Treasurer.

Depository shall have and hereby reserves the right to collect interest on the securities maintained as collateral, except in cases where the securities are liable to sale or are sold or converted in accordance with the provisions of California Government Code §53665.

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9. Default by Depository. If Depository fails as an institution or fails to pay all or part of the deposits of the Agency secured by pooled securities in accordance with this Agreement and upon the demand of Treasurer or any other authorized official, Treasurer will send written notice to the Administrator of Local Agency Security of the State of California (the “Administrator”), who shall draw on any applicable letter of credit and/or convert into money any securities necessary to cover (a) the deposits of the Agency, (b) any accrued interest, and (c) the reasonable expenses of the Administrator, which shall be distributed and used by the Administrator, as provided in Section 53665 of the Code. If the Administrator determines that a security is not qualified to secure public deposits, Depository will substitute other securities to comply with the requirements of this Agreement.

Upon notice to Treasurer from the Administrator, Treasurer may withdraw deposits in the event the Depository fails to pay the assessments, fines, or penalties assessed by the Administrator or may withdraw authorization for the placement of pooled securities in an agent of depository in the event the Agent of Depository fails to pay the fines or penalties assessed by the Administrator.

10. Compliance. Subject to Section 53648 and applicable federal law, the parties shall comply in all respects with the provisions of the Code and other applicable provisions of law.

11. Electronic Record; Counterpart. This Agreement may be in the form of an Electronic Record and may, if Depository has expressly agreed with you to accept Electronic Signatures, be executed using Electronic Signatures (including manually executed paper documents that are sent by facsimile, .pdf or other electronic means), which shall be considered an original and shall have the same legal effect, validity and enforceability as an original paper record. For purposes hereof, each of the terms “Electronic Record” and “Electronic Signature” has the respective meaning assigned to it in 15 USC §7006 (as the same may be amended from time to time).

This Agreement may be executed in one or more counterparts, including both paper and electronic counterparts, but all such counterparts shall constitute one and the same agreement.

12. Termination. Either party may terminate this Agreement as to future deposits by providing 30 days prior written notice to the other party.

Date: ________________ Agency: _____________________________________________________ By: _________________________________________________________ Name/Title: ___________________________________________________ Date: ________________ Depository: BANK OF THE WEST
By: __________________________________________________________ Name/Title: ____________________________________________________

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 75
Exhibit 5: Commercial Account Signature Record
A Commercial Account Signature Record can be found on the following page.

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Version 01.23.14 September 10, 2018 Page 1 of 1
BMO HARRIS BANK N.A. Commercial Account
Signature Record and Designation of Check Signers
New Account Maintenance Changes This Signature Record will replace All Check Signers currently on file ACCOUNT NUMBER(S):

NAME AND TITLE (Use additional Signature Records for more signers) SIGNATURES (SIGN IN BLACK INK ONLY) Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

Add Signer
Delete Signer
Manual
Facsimile
Name:

Title:

The signatures shown above are genuine specimens of person(s) authorized to withdraw or order payment of any of the funds deposited in the Bank, and to otherwise bind or obligate the Corporation, in such amounts and on such terms as such Person(s) may see fit, by signing, ratifying, or countermanding checks, drafts, bills of exchange, undertakings or other instruments, orders or agreements for the payment of money bymanual and/orfacsimile signature.

Client (Business) Name:

Authorized By*: X Dated:

Secondary Authorization By**: Dated:
*This signature record requires authorization from an “Authorized Person” as listed in the Board Resolution, Certificate of Account Authorities or Certificate of Account Resolutions currently on file.
**Additional “Authorized Persons” may be required if indicated in the resolution.

Internal Use Only
Date Opened: Date Revised: Accepted By: Phone: Assigned To:

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 76
Exhibit 6: Sample Reconciliation Report
An Sample Reconciliation Report can be found on the following page.

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Date BAI Transaction
Description Customer Reference Bank Reference Debit Credit Availability Balance Details January 24, 2023 015 Closing Ledger Balance -$417.16
January 24, 2023 901 Adjusted Closing
Balance $0.00
January 24, 2023 206 Transfer of Funds $0.01 0010-1080-417 3587
January 24, 2023 206 Transfer of Funds $0.02 0443-1017-785 3587
January 24, 2023 475 Check 121 $2.00
January 24, 2023 475 Check 120 $14.00
January 24, 2023 475 Check 119 $6.25
January 24, 2023 174 Deposit $2.25
January 24, 2023 699 Debit Memo $6.50 DIRECTLINE DEMO
January 24, 2023 399 Credit Memo $12.50 DIRECTLINE DEMO January 24, 2023 971 FBPS Transfer /
Correction $20.00 EGL DEMO BR 0002
January 24, 2023 935 FCCS Deposit /
Correction 010 010000000027 $10.00 FCCS CORP DEMO DIRECTLINE DEMO January 24, 2023 935 FCCS Deposit /
Correction 009 009000024567 $8.00

FCCS CORP DEMO
GOC 10 PERCENT
JUL15/10
January 24, 2023 935 FCCS Deposit /
Correction 008 008200056789 $6.00

TUESDAY

EVENING

RECEIPTS
January 24, 2023 935 FCCS Deposit /
Correction 007 007000000234 $4.00 PMT INV 2001
January 24, 2023 935 FCCS Deposit /
Correction 006 006234567890 $2.00 MONDAY SALES DEPOSIT
January 24, 2023 206 Transfer of Funds $4.50 0010-1080-417 January 24, 2023 506 Transfer of Funds $23.50 0004-1108-245 January 24, 2023 506 Transfer of Funds $372.61 0443-1017-785 January 24, 2023 506 Transfer of Funds $21.58 0010-1080-417 January 24, 2023 275 * Zero Balance Credit $370.59
0443-1017-785

ZERO BALANCE

TRANSACTION
January 24, 2023 010 Opening Ledger
Balance -$370.59
January 24, 2023 066 Adjusted Opening
Balance $0.00
- - -
- - -
$466.44 $419.87 -
8 11 -
Last Balance received: Jan 25, 2023 06:01:22 EST
Total Debits And Credits:

Total Debit And Credit Items:

Reconciliation Report- by Processing Date
Generated By:11000000_HUSSAIN11
Generated On:Jan 25, 2019 11:14:54 AM EST
Date Range: Jan 24, 2019 to Jan 24, 2019
USD CHICAGO DEMOxxxxxxxxxxx - XXXXXXX6471 USD (BMO - DDA) End of transactions for the selected date range

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 77
Exhibit 7: Account Reconcilement Report Guide
An Account Reconcilement Report Guide can be found on the following pages.

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Account Reconcilement Report Guide

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Account Reconcilement Report Guide

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Contents
Account Reconcilement Reports Page(s)
Paid Only Report 4
Unpaid Only Report 5
Miscellaneous Debit (and Credits) Report 6–7
Diagnostic Summary Report (paid only) 8
Diagnostic Summary Report (unpaid only) 9
Recap of Posted Items Report 10
Credits Report 11–14
Outstanding Settlement Report 15–16
Account Reconciliation Statement 17–19
Exception Summary 20
Outstanding Check Detail by Serial Number 21–22
Outstanding Check Detail by Amount 23–24
Register Exceptions 25–28
Payee Name Report 29
Issued and Paid Check Listing 30–31
Cancel Listing 32
Stop Check Detail Report 33
Stale Dated Checks 34
Return Items Report Instructions 35
Glossary of Terms 36

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Account Reconcilement Report Guide

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Account Reconciliation Reports by Type

BASIC PLAN STANDARD REPORTS
• Paid Only Report
• Miscellaneous Debit Report
• Miscellaneous Credit Report
• Diagnostic Summary—Paid Only
• Recap of Posted Items

DEPOSIT PLAN STANDARD REPORTS
• Paid Only Report
• Miscellaneous Debit Report
• Miscellaneous Credit Report
• Diagnostic Summary—Paid Only
• Recap of Posted Items
• Credits Report

FULL PLAN STANDARD REPORTS
• Paid Only Report
• Unpaid Only Report
• Miscellaneous Debit Report
• Miscellaneous Credit Report
• Diagnostic Summary—Paid Only
• Diagnostic Summary—Unpaid Only
• Recap of Posted Items Report
• Outstanding Settlement Report
• Account Reconciliation Statement
• Exception Summary
• Outstanding Check Detail by Serial
Number
• Outstanding Check Detail by Amount
• Register Exceptions
• Payee Name Report (exclusively
provided for subscribers to payee
verification service)
• Stop Check Detail Report

FULL PLAN OPTIONAL REPORTS
• Issued and Paid Check Listing
• Cancel Listing
• Stale Dated Checks

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Account Reconcilement Report Guide

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Paid Only Report

REPORT CHARACTERISTICS
• A listing of all paid checks for the
reconciliation period.
• Report is sorted in serial
number order.
• Item content includes serial
number, dollar amount, paid date,
sequence number.
• Data provided is for the period
being reconciled.
• Each item is subject to an exception
status code. These codes are:

1. Check paid this period, no
outstanding issue received

2. Check cancelled, outstanding
issue removed, not added into
totals

3. Check paid previous period,
outstanding issue still not
received, not added into totals

4. Stop payment in effect, check
has not been presented

5. Stop payment in effect, check
presented and returned

6. Forced item duplicate
Exception status code located to the
far left of each record.
• Report content is available as a PDF
file or can be downloaded and saved
as a CSV file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1
RPT: CRP92005-32 RECONCILIATION REPORT: PAID ONLY AS OF: 04/30/10 TEAM: 031 BRANCH: 00000
BANK: 028 ACCOUNT: 1234567890 ABC Company
C SERIAL AMOUNT PAID SEQ C SERIAL AMOUNT PAID SEQ C SERIAL AMOUNT PAID SEQ D NUMBER PAID DATE NO. D NUMBER PAID DATE NO. D NUMBER PAID DATE NO. 800130 1.00 041310 6100800130 870110 1.00 041310 6100870110 800131 1.00 041310 6100800131 870111 1.00 041310 6100870111 800132 1.00 041310 6100800132 870112 1.00 041310 6100870112 800133 1.00 041310 6100800133 870113 1.00 041310 6100870113 800134 1.00 041310 6100800134 870114 1.00 041310 6100870114 800135 1.00 041310 6100800135 870115 1.00 041310 6100870115 800136 1.00 041310 6100800136 870116 1.00 041310 6100870116 800137 1.00 041310 6100800137 870117 1.00 041310 6100870117 800138 1.00 041310 6100800138 870118 1.00 041310 6100870118 800139 1.00 041310 6100800139 870119 1.00 041310 6100870119 810110 1.00 041310 6100810110 880110 7.00 041310 6100880110 810111 1.00 041310 6100810111 880111 7.00 041310 6100880111 810112 1.00 041310 6100810112 880112 7.00 041310 6100880112 810113 1.00 041310 6100810113 880113 7.00 041310 6100880113 810114 1.00 041310 6100810114 880114 7.00 041310 6100880114 810115 1.00 041310 6100810115 880115 7.00 041310 6100880115 810116 1.00 041310 6100810116 880116 7.00 041310 6100880116 810117 1.00 041310 6100810117 880117 7.00 041310 6100880117 810118 1.00 041310 6100810118 880118 7.00 041310 6100880118 810119 1.00 041310 6100810119 880119 7.00 041310 6100880119 4 820110 1.00 041310
4 820111 1.00 041310 TOTAL PAID
4 820112 1.00 041310 100.00 40GT
4 820113 1.00 041310
4 820114 1.00 041310
4 820115 1.00 041310
4 820116 1.00 041310
4 820117 1.00 041310
4 820118 1.00 041310
4 820119 1.00 041310
5 830110 1.00 041310
5 830111 1.00 041310
5 830112 1.00 041310
5 830113 1.00 041310
5 830114 1.00 041310
5 830115 1.00 041310
5 830116 1.00 041310
5 830117 1.00 041310
5 830118 1.00 041310
5 830119 1.00 041310
4 840110 1.00 041310
4 840111 1.00 041310
4 840112 1.00 041310
4 840113 1.00 041310
4 840114 1.00 041310
4 840115 1.00 041310
4 840116 1.00 041310
4 840117 1.00 041310
4 840118 1.00 041310
4 840119 1.00 041310
4

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Unpaid Only Report

REPORT CHARACTERISTICS
• A listing of all outstanding items as
of the end of the last reconciliation
period.
• Report is sorted in serial number order.
• Item content includes; serial number,
dollar amount, date issued and payee
line information from the additional
data field on the issue file.
• Data provided is for the period being
reconciled.
• Report content is available as a
PDF file.

DATE: 08/01/12 BMO HARRIS BANK N.A. PAGE 1
RPT: CRP92005-32 RECONCILIATION REPORT: UNPAID ONLY AS OF: 07/31/12 TEAM: 032 BRANCH: 00000
BANK: 028 ACCOUNT: 1234567890 ABC Company

C SERIAL CHECK AMOUNT DATE DATE SEQ PAYEE C SERIAL CHECK AMOUNT DATE DATE SEQ PAYEE D NUMBER PAID O/S PAID ISSUED NO. IDENTIFICATION D NUMBER PAID O/S PAID ISSUED NO. IDENTIFICATION 39328 5.00 030110
500026 465.52 012910 PAYEE LINE INFO
504768 68.91 102810 PAYEE LINE INFO
505720 1,119.88 122910 PAYEE LINE INFO
508311 595.97 041411 PAYEE LINE INFO
509675 102.63 061611 PAYEE LINE INFO
509877 99.36 062311 PAYEE LINE INFO
510137 710.26 070711 PAYEE LINE INFO
510291 369.37 071411 PAYEE LINE INFO
510723 160.01 080411 PAYEE LINE INFO
512185 664.70 101311 PAYEE LINE INFO
512692 147.80 110311 PAYEE LINE INFO
513499 762.56 120811 PAYEE LINE INFO
514051 606.08 010612 PAYEE LINE INFO
514215 325.97 011212 PAYEE LINE INFO
514798 485.13 020912 PAYEE LINE INFO
515440 593.47 030812 PAYEE LINE INFO
516195 810.56 041212 PAYEE LINE INFO
516741 883.93 050312 PAYEE LINE INFO
517526 795.94 060712 PAYEE LINE INFO
518165 650.12 070312 PAYEE LINE INFO
518314 279.60 071212 PAYEE LINE INFO
518327 204.48 071212 PAYEE LINE INFO
518343 259.60 071212 PAYEE LINE INFO
518405 5,329.85 071212 PAYEE LINE INFO
518413 75.04 071212 PAYEE LINE INFO
518431 99.91 071212 PAYEE LINE INFO
518459 30.70 071912 PAYEE LINE INFO
518474 6,935.55 070112
518490 65.70 071912 PAYEE LINE INFO
518498 419.70 071912 PAYEE LINE INFO
518513 323.00 071912 PAYEE LINE INFO
518515 1,940.41 071912 PAYEE LINE INFO
518522 240.00 071912 PAYEE LINE INFO
518543 1,207.17 071912 PAYEE LINE INFO
518548 3,393.00 071912 PAYEE LINE INFO
518549 194.21 071912 PAYEE LINE INFO
518566 587.02 071912 PAYEE LINE INFO
518567 784.26 071912 PAYEE LINE INFO
518574 217.99 071912 PAYEE LINE INFO
518667 15.00 070112
518682 237.38 070112
518756 4,210.12 070112
518757 3,835.12 070112
518762 1,441.51 070112
958750 1,347.81 070112
O/S 44,097.30 46GT

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Miscellaneous Debit (and Credit) Reports

REPORT CHARACTERISTICS
• These reports will only be produced
if miscellaneous debits or credits are
charged to an account during the
reconciliation period.
• Lists all debit charges (other than
checks) or miscellaneous credits
posted along with a detailed
description of each entry as it appears
on the bank statement.
• Reports are sorted in date order.
• Item content includes serial number,
amount, paid date, sequence number.
• Data provided is for the period
being reconciled.
• Report content is available as a PDF
file or can be downloaded and saved
as a CSV file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1
RPT: CRP92005-32 RECONCILIATION REPORT: MISC-DEBITS AS OF: 04/30/10 TEAM: 032 BRANCH: 00000
BANK: 028 ACCOUNT: 1234567890 ABC Company

C SERIAL CHECK AMOUNT DATE DATE SEQ PAYEE C SERIAL CHECK AMOUNT DATE DATE SEQ PAYEE D NUMBER PAID O/S PAID ISSUED NO. IDENTIFICATION D NUMBER PAID O/S PAID ISSUED NO. IDENTIFICATION 300.51 041310 3000000101ACH DEBIT
300.52 041310 3000000102ACH DEBIT
300.53 041310 3000000103ACH DEBIT
300.54 041310 3000000104ACH DEBIT
300.55 041310 3000000105ACH DEBIT
1,502.65 ACH DEBIT
MISC 1,502.65 5GT
6

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Miscellaneous Debit (and Credit) Reports
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1
RPT: CRP92005-32 RECONCILIATION REPORT: MISC-CREDITS AS OF: 04/30/10 TEAM: 032 BRANCH: 00000
BANK: 028 ACCOUNT: 1234567890 ABC Company

C SERIAL CHECK AMOUNT DATE DATE SEQ PAYEE C SERIAL CHECK AMOUNT DATE DATE SEQ PAYEE D NUMBER PAID O/S PAID ISSUED NO. IDENTIFICATION D NUMBER PAID O/S PAID ISSUED NO. IDENTIFICATION 24,824.07 041310 CK# 0000011515
15,960.63 041310 CK# 0000012515
6,572.21 041310 CK# 0000012515
5,025.82 041310 CK# 0000012715
3,412.81 041310 CK# 0000015510
24,824.07 CK# 0000011515
22,532.84 CK# 0000012515
5,025.82 CK# 0000012715
3,412.81 CK# 0000015510
MISC 55,795.54 5G
7

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Diagnostic Summary Report (Paid Only)
The BMO Harris Diagnostic Summary Paid Only Report provides information currently found on the Exception Summary Report (page 20 of this guide).

REPORT CHARACTERISTICS
• These reports will only be produced if
there are exceptions to report during
the reconciliation period.
• Report is sorted in serial number order.
• Data provided is for the period being
reconciled.
• Lists total amounts of all stop
payments on file without any dollar
amounts.
• Lists the exceptions that occurred
during the reconciliation period. These
include stop payments, paid-no issues,
and cancellations. Each exception is
defined in the Exception Condition
Column.
• Includes a summary total at the end of
the report including dollar amount and
the number of transactions.
• Report content is available as a PDF
file.

DATE: 04/15/11 BMO HARRIS BANK N.A. PAGE 1
RPT: CRP92005-33 DIAGNOSTIC SUMMARY REPORT AS OF: 04/15/11 TEAM: 014 BRANCH: 00000 REPORT: PAID ONLY
BANK: 028 ACCOUNT: 1234567890 ABC Company

SERIAL PAID SEQUENCE ISSUE PAYEE PAGE EXCEPTION
NUMBER AMOUNT DATE NUMBER DATE IDENTIFICATION NO. CONDITION 500415 123.33 01/19/10 2600536568 1 PAID, NO ISSUE, LAST PERIOD 500416 770.40 01/19/10 2600515160 1 PAID, NO ISSUE, LAST PERIOD 500417 283.55 01/20/10 2600758846 1 PAID, NO ISSUE, LAST PERIOD 500418 477.90 01/20/10 2600688219 1 PAID, NO ISSUE, LAST PERIOD 500419 518.73 01/20/10 2600845005 1 PAID, NO ISSUE, LAST PERIOD 500420 7,533.00 01/15/10 2100152584 1 PAID, NO ISSUE, LAST PERIOD 500421 19,845.74 01/15/10 2100152583 1 PAID, NO ISSUE, LAST PERIOD

TOTAL COUNT TOTAL AMOUNT
PAID, NO ISSUE 0 .00
CANCELED ISSUE 0 .00
PAID, NO ISSUE, LAST PERIOD 7 29,552.65
STOPPED ITEM 0 .00
STOPPED, CHECK PRESENTED 0 .00
FORCE POSTED ITEM 0 .00
PREV PD-NO-ISS, ISSUE RECVD 0 .00
PREV STOP, ISSUE RECEIVED 0 .00
PREV CANCEL, ISSUE RECEIVED 0 .00
CANCELED ITEM, NOT ISSUED 0 .00
CANCELED WITH STOP 0 .00

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Diagnostic Summary Report (Unpaid Only)
The BMO Harris Diagnostic Summary (Unpaid Only) Report provides register exceptions.

These include stop payments, and
cancellations. Each exception is
defined in the Exception Condition
Column.
• Includes a summary total at the end of
the report including dollar amount and
the number of transactions.
• Report content is available as a PDF
file.

DATE: 04/15/11 BMO HARRIS BANK N.A. PAGE 1
RPT: CRP92005-33 DIAGNOSTIC SUMMARY REPORT AS OF: 04/15/11 TEAM: 014 BRANCH: 00000 REPORT: UNPAID ONLY
BANK: 028 ACCOUNT: 1234567890

SERIAL PAID SEQUENCE ISSUE PAYEE PAGE EXCEPTION
NUMBER AMOUNT DATE NUMBER DATE IDENTIFICATION NO. CONDITION 501916 .00 01/18/11 2 STOPPED, CHECK PRESENTED
501930 2,113.85 03/04/11 12/10/10 2 CANCELED WITH STOP
501979 780.25 04/08/11 01/14/11 2 CANCELED WITH STOP
502055 356.25 03/25/11 03/08/11 2 CANCELED WITH STOP

TOTAL COUNT TOTAL AMOUNT
PAID, NO ISSUE 0 .00
CANCELED ISSUE 0 .00
PAID, NO ISSUE, LAST PERIOD 0 .00
STOPPED ITEM 0 .00
STOPPED, CHECK PRESENTED 1 .00
FORCE POSTED ITEM 0 .00
PREV PD-NO-ISS, ISSUE RECVD 0 .00
PREV STOP, ISSUE RECEIVED 0 .00
PREV CANCEL, ISSUE RECEIVED 0 .00
CANCELED ITEM, NOT ISSUED 0 .00
CANCELED WITH STOP 3 3,250.35

ABC COMPANY

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Recap of Posted Items Report
The BMO Harris Recap of Posted Items Report provides information on paid checks posted during the cycle.

REPORT CHARACTERISTICS
• A day-by-day total of paid checks,
checks issued, checks issues cancelled,
stop payments placed
and stop payments removed.
• Item counts and total dollars
provided at the end of the report
for each category.
• Data provided is for the period
being reconciled.
• Report content is available as a
PDF file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1
RPT: CRP92005-35 RECAP OF POSTED ITEMS REPORT AS OF: 04/30/10 TEAM: 032 BRANCH: 00000
BANK: 028 ACCOUNT: 1234567890 ABC Company

DATE PAID CHECKS ISSUES STOPS PLACED STOPS REMOVED CANCELLED

ITEMS AMOUNT ITEMS AMOUNT ITEMS AMOUNT ITEMS AMOUNT ITEMS AMOUNT .00 33 43.92 .00 .00 .00
04-13-10 38 48.92 81 89.00 25 15.00 .00 6 6.00
TOTALS 38 48.92 114 132.92 25 15.00 .00 6 6.00
FOR CUSTOMER SERVICE CALL (877) 895-3278 SUMMARY OF DAILY TOTALS POSTED IN CURRENT RECONCILIATION PERIOD FOR PAID CHECKS, ISSUES, STOPS PLACED, STOPS REMOVED, AND CANCELS. 9

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Credits Report
The BMO Harris Credits Report provides credit detail, sorted and subtotaled by the serial location number that is pre-encoded on account deposit slips.

REPORT CHARACTERISTICS
• Credit activity sorted and subtotaled
by serial number.
– Includes total item count and
total dollars
– Sorted by post date within each
serial number range
• Credits without serial numbers are
segregated with a “0000000000”
serial number.
• Posting trancode number and trancode
description as identified
on the BMO Harris posting system
are included.
• Report totals are provided at the
end of the report.
• Data provided is for the period
being reconciled.
• Report content is available as a PDF
file or can be downloaded and saved
as a CSV file.

DATE: 04/13/10 BMO HARRIS BANK N.A. PAGE 1 RPT : R-810 CREDITS REPORT AS OF: 04/13/10 TEAM: 014 BRANCH: 00000 BANK: 028 ACCOUNT: xxxxxxxxxx ABC Company

SERIAL NUMBER AMOUNT POST DATE TRAN CODE TRAN CODE DESCRIPTION ---------------------------------------------------------------------------------------------------------------------------------- 0000000000 688,389.99 04/13/10 00021 ACH DEPOSIT 0000000000 279,970.00 04/13/10 00037 INCOMING WIRE
0000000000 125,856.00 04/13/10 02005 EDI/EFT CTX CREDIT 0000000000 72,305.00 04/13/10 02003 EDI/EFT CCD+ CREDIT 0000000000 44,961.00 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 37,335.00 04/13/10 00037 INCOMING WIRE
0000000000 35,444.13 04/13/10 00021 ACH DEPOSIT
0000000000 34,957.18 04/13/10 00037 INCOMING WIRE
0000000000 28,250.63 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 22,129.64 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 19,632.68 04/13/10 00037 INCOMING WIRE
0000000000 19,628.91 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 19,068.34 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 18,864.43 04/13/10 00037 INCOMING WIRE
0000000000 16,736.70 04/13/10 00021 ACH DEPOSIT
0000000000 14,513.60 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 13,950.44 04/13/10 00037 INCOMING WIRE
0000000000 13,804.07 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 12,585.24 04/13/10 00037 INCOMING WIRE
0000000000 10,674.39 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 9,204.05 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 8,405.55 04/13/10 00021 ACH DEPOSIT
0000000000 7,810.61 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 7,768.68 04/13/10 00021 ACH DEPOSIT
0000000000 7,701.75 04/13/10 00037 INCOMING WIRE
0000000000 7,375.72 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 7,037.79 04/13/10 00021 ACH DEPOSIT
0000000000 6,960.41 04/13/10 00037 INCOMING WIRE
0000000000 6,885.00 04/13/10 02003 EDI/EFT CCD+ CREDIT
0000000000 6,785.00 04/13/10 00037 INCOMING WIRE
0000000000 5,763.58 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 5,172.14 04/13/10 00037 INCOMING WIRE
0000000000 4,785.00 04/13/10 00037 INCOMING WIRE
0000000000 4,124.16 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 3,997.72 04/13/10 00021 ACH DEPOSIT
0000000000 3,980.82 04/13/10 00037 INCOMING WIRE
0000000000 3,846.05 04/13/10 00021 ACH DEPOSIT
0000000000 3,838.72 04/13/10 00021 ACH DEPOSIT
0000000000 3,739.80 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 3,429.59 04/13/10 00021 ACH DEPOSIT
0000000000 2,666.09 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 2,567.55 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 2,529.48 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 2,528.73 04/13/10 00021 ACH DEPOSIT
0000000000 2,144.00 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 2,108.17 04/13/10 00021 ACH DEPOSIT
0000000000 1,941.83 04/13/10 00037 INCOMING WIRE
0000000000 1,758.14 04/13/10 00021 ACH DEPOSIT
0000000000 1,744.83 04/13/10 00037 INCOMING WIRE
0000000000 1,534.11 04/13/10 00037 INCOMING WIRE
0000000000 1,525.09 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 1,468.71 04/13/10 00021 ACH DEPOSIT
0000000000 1,228.10 04/13/10 02005 EDI/EFT CTX CREDIT
11

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DATE: 04/13/10 BMO HARRIS BANK N.A. PAGE 2 RPT : R-810 CREDITS REPORT AS OF: 04/13/10 TEAM: 014 BRANCH: 00000 BANK: 028 ACCOUNT: xxxxxxxxxx ABC Company

SERIAL NUMBER AMOUNT POST DATE TRAN CODE TRAN CODE DESCRIPTION ---------------------------------------------------------------------------------------------------------------------------------- 0000000000 1,176.70 04/13/10 02005 EDI/EFT CTX CREDIT 0000000000 1,049.54 04/13/10 00021 ACH DEPOSIT
0000000000 989.09 04/13/10 00021 ACH DEPOSIT
0000000000 915.13 04/13/10 00037 INCOMING WIRE
0000000000 901.38 04/13/10 00021 ACH DEPOSIT
0000000000 818.52 04/13/10 00021 ACH DEPOSIT
0000000000 794.37 04/13/10 00021 ACH DEPOSIT
0000000000 703.12 04/13/10 00037 INCOMING WIRE
0000000000 686.92 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 608.20 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 599.20 04/13/10 02003 EDI/EFT CCD+ CREDIT
0000000000 547.66 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 455.70 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 435.95 04/13/10 00021 ACH DEPOSIT
0000000000 341.60 04/13/10 00021 ACH DEPOSIT
0000000000 334.90 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 330.00 04/13/10 00021 ACH DEPOSIT
0000000000 315.44 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 288.51 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 286.59 04/13/10 00021 ACH DEPOSIT
0000000000 284.96 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 238.50 04/13/10 00021 ACH DEPOSIT
0000000000 215.00 04/13/10 00037 INCOMING WIRE
0000000000 194.66 04/13/10 00021 ACH DEPOSIT
0000000000 176.40 04/13/10 00021 ACH DEPOSIT
0000000000 140.55 04/13/10 00021 ACH DEPOSIT
0000000000 132.83 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 76.87 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 50.06 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 31.76 04/13/10 00021 ACH DEPOSIT
0000000000 13.48 04/13/10 02005 EDI/EFT CTX CREDIT
0000000000 193,423.11 04/13/10 02323
FOR SERIAL NUMBER: 0000000000
TOTAL ITEMS: 85 1,880,971.04
0000033758 413,576.34 04/13/10 02142 LOCKBOX DEPOSIT
0000033758 296,911.57 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000033758
TOTAL ITEMS: 2 710,487.91
0000033809 3,080.65 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000033809
TOTAL ITEMS: 1 3,080.65
0000039068 28,923.22 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000039068
TOTAL ITEMS: 1 28,923.22
0000039518 106,764.29 04/13/10 02142 LOCKBOX DEPOSIT
12 Credits Report

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Credits Report
DATE: 04/13/10 BMO HARRIS BANK N.A. PAGE 3 RPT : R-810 CREDITS REPORT AS OF: 04/13/10 TEAM: 014 BRANCH: 00000 BANK: 028 ACCOUNT: xxxxxxxxxx ABC Company

SERIAL NUMBER AMOUNT POST DATE TRAN CODE TRAN CODE DESCRIPTION ---------------------------------------------------------------------------------------------------------------------------------- FOR SERIAL NUMBER: 0000039518
TOTAL ITEMS: 1 106,764.29
0000039821 495.00 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000039821
TOTAL ITEMS: 1 495.00
0000062437 286.35 04/13/10 00029 ZBA DEPOSIT
FOR SERIAL NUMBER: 0000062437
TOTAL ITEMS: 1 286.35
0000071685 16,422.46 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000071685
TOTAL ITEMS: 1 16,422.46
0000071771 185,822.18 04/13/10 02142 LOCKBOX DEPOSIT
0000071771 141,319.39 04/13/10 02142 LOCKBOX DEPOSIT
0000071771 122,929.68 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000071771
TOTAL ITEMS: 3 450,071.25
0000071891 63,129.44 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000071891
TOTAL ITEMS: 1 63,129.44
0000071920 56,800.57 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000071920
TOTAL ITEMS: 1 56,800.57
0000071949 26,134.61 04/13/10 02142 LOCKBOX DEPOSIT
0000071949 614.18 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000071949
TOTAL ITEMS: 2 26,748.79
0000095635 145,135.43 04/13/10 02142 LOCKBOX DEPOSIT
0000095635 12,496.01 04/13/10 02142 LOCKBOX DEPOSIT
FOR SERIAL NUMBER: 0000095635
TOTAL ITEMS: 2 157,631.44
0000095788 28,175.61 04/13/10 02142 LOCKBOX DEPOSIT
0000095788 23,803.65 04/13/10 02142 LOCKBOX DEPOSIT
0000095788 20,828.99 04/13/10 02142 LOCKBOX DEPOSIT
0000095788 17,190.18 04/13/10 02142 LOCKBOX DEPOSIT
0000095788 16,183.18 04/13/10 02142 LOCKBOX DEPOSIT
13

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Credits Report
DATE: 04/13/10 BMO HARRIS BANK N.A. PAGE 4 RPT : R-810 CREDITS REPORT AS OF: 04/13/10 TEAM: 014 BRANCH: 00000 BANK: 028 ACCOUNT: xxxxxxxxxx ABC Company

SERIAL NUMBER AMOUNT POST DATE TRAN CODE TRAN CODE DESCRIPTION ---------------------------------------------------------------------------------------------------------------------------------- 0000095788 13,197.57 04/13/10 02142 LOCKBOX DEPOSIT FOR SERIAL NUMBER: 0000095788
TOTAL ITEMS: 6 119,379.18
0000134750 111.78 04/13/10 00029 ZBA DEPOSIT
FOR SERIAL NUMBER: 0000134750
TOTAL ITEMS: 1 111.78
TOTAL FOR ACCOUNT xxxxxxxxxx ABC Company
TOTAL ITEMS: 109 3,621,303.37
14

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Outstanding Settlement Report and Account Reconciliation Statement The BMO Harris Outstanding Settlement Report provides summary totals and should be viewed in conjuction with the Account Reconciliation Statement.

Both reports are available as a PDF file.

The Account Reconciliation Statement
can be downloaded and saved as a
CSV file.

DATE: 04/30/10 BMO HARRIS BANK N.A. AS OF: 04/30/10 TEAM: 032 ABC Company BANK: 028 ACCOUNT NO. 123-456-789-0 PAGE: 1

REPORT DESCRIPTION
---------------------------------- ----------------------------------------------------------------------------------------

OUTSTANDING SETTLEMENT REPORT SUMMARY TOTALS BY TYPE THAT CALCULATE THE NEW

OUTSTANDING BALANCE FOR THE CURRENT RECONCILIATION PERIOD

ACCOUNT RECONCILIATION STATEMENT DETAIL OF OUTSTANDING SETTLEMENT REPORT TOTALS FOR CUSTOMER SERVICE CALL (877) 895-3278
17

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Outstanding Settlement Report

REPORT CHARACTERISTICS
• Outstanding check total at the
beginning of the reconciled cycle.
• Activity impacting the outstanding
check balance.
• Ending outstanding check balance at
the end of the reconciled cycle.
• Transaction types summarized by the
Outstanding Settlement Report for the
period reconciled. This can commonly
include check issue records added,
posted checks, stopped or cancelled
check issue records, and discrepancies.
• The Miscellaneous Debit total is
strictly for informational purposes
only. This total is not part of your New
Outstanding balance calculations.

A complete breakdown of this total
can be found on the stand alone
Miscellaneous Debit Report.
18 DATE: 09/04/14 CLIENT NAME: AS OF: 08/31/14
TEAM: 033 OUTSTANDING SETTLEMENT REPORT
BANK: 028 ACCOUNT NO. 1234567890 PAGE: 1

ARP TOTALS
---------------------
Previous Outstanding $783,375.01
+ New Issues $5,183,698.24
+ Paid No Issues $0.00
+ Stops Removed $0.00
- Stop Payments $0.00
- Cancellations $408,418.82
- Prev PNI Issue Recvd $0.00
- Prev Stop Issue Recvd $0.00
- Prev Cancel Issue Recvd $0.00
- Paid Checks $4,982,613.94
(Misc. Debits) *** $2,691,477.64
- Previous O/S Deleted $0.00
New Outstanding $576,040.49
FOR CUSTOMER SERVICE CALL (877) 895-3278

SUMMARY TOTALS BY TYPE THAT CALCULATE THE NEW OUTSTANDING BALANCE FOR THE CURRENT RECONCILIATION PERIOD.
*** The Miscellaneous Debits Total is for information purposes only.

This total is not part of your New Outstanding Balance.

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Account Reconciliation Statement

REPORT CHARACTERISTICS
• Includes activity detail in subtotaled
sections for each category contained
within the report.
• Each item includes serial number,
effective date, and dollar amount.
• Exception condition where applicable
(for example, “Paid against stale” or
“Paid no issue”).
• Payee name when that information
is supplied in the check issue file
and client subscribes to the service.

Payee name will be truncated for
reporting purposes.
• Transaction detail is sorted by
serial number.
• Totals are provided for item counts
and transaction type in dollars at the
end of the report.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE: 2 RPT: R-801 ACCOUNT RECONCILIATION STATEMENT AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

SERIAL EFFECTIVE DATE AMOUNT EXCEPTION CONDITION PAYEE IDENTIFICATION -------------------------------------------------------------------------------------------------------------------- ISSUES:
00000880110 04/13/10 1.00
00000880111 04/13/10 1.00
00000880112 04/13/10 1.00
00000880113 04/13/10 1.00
00000880114 04/13/10 1.00
00000880115 04/13/10 1.00
00000880116 04/13/10 1.00
00000880117 04/13/10 1.00
00000880118 04/13/10 1.00
00000880119 04/13/10 1.00
00004480178 10/18/09 1.78
00004480179 10/17/09 1.79
00004480180 10/16/09 1.80
00004480181 10/15/09 1.81
00004480182 10/14/09 1.82
00004480183 10/13/09 1.83
00004480184 10/12/09 1.84
00004480185 10/11/09 1.85
00004480186 10/10/09 1.86
00004480187 10/09/09 1.87
00004480188 10/08/09 1.88
00004480189 10/07/09 1.89
00004480190 10/06/09 1.90
00004480310 04/13/10 1.00
00004480311 04/13/10 1.00
00004480312 04/13/10 1.00
00004480313 04/13/10 1.00
00004480314 04/13/10 1.00
00004480410 04/13/10 1.00
00004480411 04/13/10 1.00
00004480412 04/13/10 1.00
00004480413 04/13/10 1.00
00004480414 04/13/10 1.00
00004480510 04/13/10 1.00
00004480511 04/13/10 1.00
00004480512 04/13/10 1.00
00004480513 04/13/10 1.00
00004480514 04/13/10 1.00
00004480610 04/13/10 1.00
00004480611 04/13/10 1.00
00004480612 04/13/10 1.00
00004480613 04/13/10 1.00
00004480614 04/13/10 1.00
00004480710 04/01/08 1.00
00004480711 04/01/08 1.00
00004480712 04/01/08 1.00
00004480713 04/01/08 1.00
00004480714 04/01/08 1.00
00004480715 04/01/08 1.00
00004480716 04/01/08 1.00
00004480717 04/01/08 1.00
19

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Account Reconciliation Statement
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE: 3 RPT: R-801 ACCOUNT RECONCILIATION STATEMENT AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

SERIAL EFFECTIVE DATE AMOUNT EXCEPTION CONDITION PAYEE IDENTIFICATION -------------------------------------------------------------------------------------------------------------------- ISSUES:
00004480718 04/01/08 1.00
00004480719 04/01/08 1.00
00004480720 04/01/08 1.00
00004480721 04/01/08 1.00
00004480722 04/01/08 1.00
00004480723 04/01/08 1.00
00004480724 04/01/08 1.00
00004480725 04/01/08 1.00
00004480726 04/01/08 1.00
00004480727 04/01/08 1.00
00004480728 04/01/08 1.00
00004480729 04/01/08 1.00
TOTAL ISSUES: 114 ITEMS 132.92
STOP PAYMENTS:
00004480110 01/01/01 1.00 STOP PAYMENT
00004480111 01/01/01 1.00 STOP PAYMENT
00004480112 01/01/01 1.00 STOP PAYMENT
00004480113 01/01/01 1.00 STOP PAYMENT
00004480114 01/01/01 1.00 STOP PAYMENT
00004480210 01/01/01 1.00 STOP PAYMENT
00004480211 01/01/01 1.00 STOP PAYMENT
00004480212 01/01/01 1.00 STOP PAYMENT
00004480213 01/01/01 1.00 STOP PAYMENT
00004480214 01/01/01 1.00 STOP PAYMENT
00004480410 04/13/10 1.00 STOP PAYMENT
00004480411 04/13/10 1.00 STOP PAYMENT
00004480412 04/13/10 1.00 STOP PAYMENT
00004480413 04/13/10 1.00 STOP PAYMENT
00004480414 04/13/10 1.00 STOP PAYMENT
00004480510 04/13/10 1.00 STOP PAYMENT
00004480511 04/13/10 1.00 STOP PAYMENT
00004480512 04/13/10 1.00 STOP PAYMENT
00004480513 04/13/10 1.00 STOP PAYMENT
00004480514 04/13/10 1.00 STOP PAYMENT
00004480610 04/13/10 1.00 STOP PAYMENT
00004480611 04/13/10 1.00 STOP PAYMENT
00004480612 04/13/10 1.00 STOP PAYMENT
00004480613 04/13/10 1.00 STOP PAYMENT
00004480614 04/13/10 1.00 STOP PAYMENT
TOTAL STOP PAYMENTS: 25 ITEMS 25.00
CANCELS:
00000850110 04/13/10 1.00
00004480510 04/13/10 1.00
00004480511 04/13/10 1.00
00004480512 04/13/10 1.00
00004480513 04/13/10 1.00
00004480514 04/13/10 1.00
20

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Account Reconciliation Statement
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE: 4 RPT: R-801 ACCOUNT RECONCILIATION STATEMENT AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

SERIAL EFFECTIVE DATE AMOUNT EXCEPTION CONDITION PAYEE IDENTIFICATION -------------------------------------------------------------------------------------------------------------------- TOTAL CANCELS: 6 ITEMS 6.00
PAID CHECKS:
00000810110 04/13/10 1.00
00000810111 04/13/10 1.00
00000810112 04/13/10 1.00
00000810113 04/13/10 1.00
00000810114 04/13/10 1.00
00000810115 04/13/10 1.00
00000810116 04/13/10 1.00
00000810117 04/13/10 1.00
00000810118 04/13/10 1.00
00000810119 04/13/10 1.00
00000830110 04/13/10 1.00
00000830111 04/13/10 1.00
00000830112 04/13/10 1.00
00000830113 04/13/10 1.00
00000830114 04/13/10 1.00
00000830115 04/13/10 1.00
00000830116 04/13/10 1.00
00000830117 04/13/10 1.00
00000830118 04/13/10 1.00
00000830119 04/13/10 1.00
00004480178 10/18/09 1.78
00004480179 10/17/09 1.79
00004480180 10/16/09 1.80
00004480181 10/15/09 1.81
00004480182 10/14/09 1.82
00004480183 10/13/09 1.83
00004480184 10/12/09 1.84
00004480185 10/11/09 1.85
00004480186 10/10/09 1.86
00004480187 10/09/09 1.87
00004480188 10/08/09 1.88
00004480189 10/07/09 1.89
00004480190 10/06/09 1.90
00004480710 04/01/08 1.00
00004480711 04/01/08 1.00
00004480712 04/01/08 1.00
00004480713 04/01/08 1.00
00004480714 04/01/08 1.00
TOTAL PAID CHECKS: 38 ITEMS 48.92
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Exception Summary Report

REPORT CHARACTERISTICS
• Details items by exception type for the
reconciliation cycle.
• Exception types include:
– Paid no issue
– Paid discrepancy
– Paid against stop
– Paid against cancel
– Paid against stale
– Duplicate
• Includes a “Matched” or “Unmatched”
designation against check issue
register. If the item is matched a
match date is provided.
• Provides total item counts and total
dollars at the end of each transaction
type section.
• Report totals provided at the end of
the report.
• Data provided is for the period
being reconciled.
• Reports will not include the
transaction level “DR” or “CR” item
categorization that was included on
prior reports.
• Report is available as a PDF file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1 RPT : R-815 EXCEPTION SUMMARY REPORT AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

EXCEPTION CONDITION SERIAL NUMBER ISSUE DATE PAID DATE MATCHED/UNMATCHED MATCH DATE AMOUNT ---------------------------------------------------------------------------------------------------------------------------------- PAID AGAINST STOP 0004480210 01/01/01 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480211 01/01/01 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480212 01/01/01 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480213 01/01/01 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480214 01/01/01 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480610 04/13/10 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480611 04/13/10 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480612 04/13/10 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480613 04/13/10 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STOP 0004480614 04/13/10 04/11/10 MATCHED 04/11/10 1.00 FOR EXCEPTION STATUS: PAID AGAINST STOP
TOTAL ITEMS: 10 10.00
PAID AGAINST STALE 0004480182 10/14/09 04/11/10 MATCHED 04/11/10 1.82 PAID AGAINST STALE 0004480183 10/13/09 04/11/10 MATCHED 04/11/10 1.83 PAID AGAINST STALE 0004480184 10/12/09 04/11/10 MATCHED 04/11/10 1.84 PAID AGAINST STALE 0004480185 10/11/09 04/11/10 MATCHED 04/11/10 1.85 PAID AGAINST STALE 0004480186 10/10/09 04/11/10 MATCHED 04/11/10 1.86 PAID AGAINST STALE 0004480187 10/09/09 04/11/10 MATCHED 04/11/10 1.87 PAID AGAINST STALE 0004480188 10/08/09 04/11/10 MATCHED 04/11/10 1.88 PAID AGAINST STALE 0004480189 10/07/09 04/11/10 MATCHED 04/11/10 1.89 PAID AGAINST STALE 0004480190 10/06/09 04/11/10 MATCHED 04/11/10 1.90 PAID AGAINST STALE 0004480710 04/01/08 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STALE 0004480711 04/01/08 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STALE 0004480712 04/01/08 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STALE 0004480713 04/01/08 04/11/10 MATCHED 04/11/10 1.00 PAID AGAINST STALE 0004480714 04/01/08 04/11/10 MATCHED 04/11/10 1.00 FOR EXCEPTION STATUS: PAID AGAINST STALE
TOTAL ITEMS: 14 21.74
TOTAL FOR ACCOUNT 1234567890 ABC Company
TOTAL ITEMS: 24 31.74
23

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Outstanding Check Detail by Serial Number Report
This Report is sorted in serial number order. For the same data sorted by item amount, refer to the Outstanding Check Detail by Amount Report. • Data elements include:
– Items that have been issued
but remain outstanding or
unmatched at the end of the
reconciliation period
– Exception condition (i.e. stale
date exception) if applicable
– Additional customer information as
supplied in the check issue file
– Payee name—if found in the check
issue file and you subscribe to the
payee name verification service
– Issue date, as included in the
check issue file
– Item dollar amount
• Report totals are included at the end
of the report.
• Data includes outstanding check issue
records as of the end of the cycle
being reconciled.
• Report content is available as a PDF
file or can be downloaded and saved
as a CSV file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1 RPT : R-820 OUTSTANDING CHECK DETAIL BY SERIAL NUMBER AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

ISSUE DATE SERIAL NUMBER AMOUNT EXCEPTION CONDITION CUSTOMER INFO PAYEE IDENTIFICATION ---------------------------------------------------------------------------------------------------------------------------------- 04/13/10 0000800110 1.00 USER INFORMATIO 04/13/10 0000800111 1.00
04/13/10 0000800112 1.00
04/13/10 0000800113 1.00
04/13/10 0000800114 1.00
04/13/10 0000800115 1.00
04/13/10 0000800116 1.00
04/13/10 0000800117 1.00
04/13/10 0000800118 1.00
04/13/10 0000800119 1.00
04/13/10 0000840119 1.00
04/13/10 0000850111 1.00
04/13/10 0000850112 1.00
04/13/10 0000850113 1.00
04/13/10 0000850114 1.00
04/13/10 0000850115 1.00
04/13/10 0000850116 1.00
04/13/10 0000850117 1.00
04/13/10 0000850118 1.00
04/13/10 0000850119 1.00
04/13/10 0000870110 1.80
04/13/10 0000870111 1.80
04/13/10 0000870112 1.80
04/13/10 0000870113 1.80
04/13/10 0000870114 1.80
04/13/10 0000870115 1.80
04/13/10 0000870116 1.80
04/13/10 0000870117 1.80
04/13/10 0000870118 1.80
04/13/10 0000870119 1.80
04/13/10 0000880110 1.00
04/13/10 0000880111 1.00
04/13/10 0000880112 1.00
04/13/10 0000880113 1.00
04/13/10 0000880114 1.00
04/13/10 0000880115 1.00
04/13/10 0000880116 1.00
04/13/10 0000880117 1.00
04/13/10 0000880118 1.00
04/13/10 0000880119 1.00
04/13/10 0004480310 1.00 USER INFORMATIO
04/13/10 0004480311 1.00
04/13/10 0004480312 1.00
04/13/10 0004480313 1.00
04/13/10 0004480314 1.00
04/01/08 0004480715 1.00 STALE DATED
04/01/08 0004480716 1.00 STALE DATED
04/01/08 0004480717 1.00 STALE DATED
04/01/08 0004480718 1.00 STALE DATED
04/01/08 0004480719 1.00 STALE DATED
04/01/08 0004480720 1.00 STALE DATED
04/01/08 0004480721 1.00 STALE DATED
04/01/08 0004480722 1.00 STALE DATED
25

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Outstanding Check Detail by Serial Number Report
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 2 RPT : R-820 OUTSTANDING CHECK DETAIL BY SERIAL NUMBER AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

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Outstanding Check Detail by Amount Report
• Data elements include:
– Items that have been issued
but remain outstanding or
unmatched at the end of the
reconciliation period
– Exception condition (i.e. stale
date exception) if applicable
– Additional customer information as
supplied in the check issue file
– Payee name—if found in the check
issue file and you subscribe to the
payee name verification service
– Issue date, as included in the
check issue file
– Item dollar amount
• Report totals are included at the end
of the report.
• The report is sorted in ascending item
dollar amount.
• Data includes outstanding check issue
records as of the end of the cycle
being reconciled.
• Report content is available as a
PDF file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1 RPT : R-825 OUTSTANDING CHECK DETAIL BY AMOUNT AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

ISSUE DATE SERIAL NUMBER AMOUNT CUSTOMER INFO PAYEE IDENTIFICATION ---------------------------------------------------------------------------------------------------------------------------------- 04/13/10 0000800110 1.00 USER INFORMATIO 04/13/10 0000800111 1.00
04/13/10 0000800112 1.00
04/13/10 0000800113 1.00
04/13/10 0000800114 1.00
04/13/10 0000800115 1.00
04/13/10 0000800116 1.00
04/13/10 0000800117 1.00
04/13/10 0000800118 1.00
04/13/10 0000800119 1.00
04/13/10 0000840119 1.00
04/13/10 0000850111 1.00
04/13/10 0000850112 1.00
04/13/10 0000850113 1.00
04/13/10 0000850114 1.00
04/13/10 0000850115 1.00
04/13/10 0000850116 1.00
04/13/10 0000850117 1.00
04/13/10 0000850118 1.00
04/13/10 0000850119 1.00
04/13/10 0000880110 1.00
04/13/10 0000880111 1.00
04/13/10 0000880112 1.00
04/13/10 0000880113 1.00
04/13/10 0000880114 1.00
04/13/10 0000880115 1.00
04/13/10 0000880116 1.00
04/13/10 0000880117 1.00
04/13/10 0000880118 1.00
04/13/10 0000880119 1.00
04/13/10 0004480310 1.00 USER INFORMATIO
04/13/10 0004480311 1.00
04/13/10 0004480312 1.00
04/13/10 0004480313 1.00
04/13/10 0004480314 1.00
04/01/08 0004480715 1.00
04/01/08 0004480716 1.00
04/01/08 0004480717 1.00
04/01/08 0004480718 1.00
04/01/08 0004480719 1.00
04/01/08 0004480720 1.00
04/01/08 0004480721 1.00
04/01/08 0004480722 1.00
04/01/08 0004480723 1.00
04/01/08 0004480724 1.00
04/01/08 0004480725 1.00
04/01/08 0004480726 1.00
04/01/08 0004480727 1.00
04/01/08 0004480728 1.00
04/01/08 0004480729 1.00
04/13/10 0000870110 1.80
04/13/10 0000870111 1.80
04/13/10 0000870112 1.80
28

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Outstanding Check Detail by Amount Report
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 2 RPT : R-825 OUTSTANDING CHECK DETAIL BY AMOUNT AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

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REPORT CHARACTERISTICS
• Exception status of check issue
records: typical exception status
includes: no matching issue record,
a discrepancy compared to an issue
record, or duplicate items.
• Exception types including:
– Stop no issue
– Stop discrepancy
– Cancel no issue
– Cancel discrepancy
– Duplicate
– Duplicate Stop
– Duplicate Cancel
– Issue amount discrepancy
• The “Issue Date” or the check
issue date.
• Additional customer information as
supplied in the check issue file.
• Payee name—if found in the check
issue file and you subscribe to the
payee name verification service.
• Item count and total dollar
amount subtotaled for each
exception category.
• Data provided is for the period
being reconciled.
• Each exception category is sorted
by check serial number.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE : 01 RPT : R-840 REGISTER EXCEPTIONS AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

ISSUE DATE SERIAL NUMBER AMOUNT EXCEPTION CONDITION CUSTOMER INFO PAYEE IDENTIFICATION ---------------------------------------------------------------------------------------------------------------------------------- 04/13/10 0000800110 1.00 DUPLICATE 04/13/10 0000800111 1.00 DUPLICATE
04/13/10 0000800112 1.00 DUPLICATE
04/13/10 0000800113 1.00 DUPLICATE
04/13/10 0000800114 1.00 DUPLICATE
04/13/10 0000800115 1.00 DUPLICATE
04/13/10 0000800116 1.00 DUPLICATE
04/13/10 0000800117 1.00 DUPLICATE
04/13/10 0000800118 1.00 DUPLICATE
04/13/10 0000800119 1.00 DUPLICATE
04/13/10 0000810110 1.00 DUPLICATE
04/13/10 0000810111 1.00 DUPLICATE
04/13/10 0000810112 1.00 DUPLICATE
04/13/10 0000810113 1.00 DUPLICATE
04/13/10 0000810114 1.00 DUPLICATE
04/13/10 0000810115 1.00 DUPLICATE
04/13/10 0000810116 1.00 DUPLICATE
04/13/10 0000810117 1.00 DUPLICATE
04/13/10 0000810118 1.00 DUPLICATE
04/13/10 0000810119 1.00 DUPLICATE
04/13/10 0000830110 1.00 DUPLICATE
04/13/10 0000830111 1.00 DUPLICATE
04/13/10 0000830112 1.00 DUPLICATE
04/13/10 0000830113 1.00 DUPLICATE
04/13/10 0000830114 1.00 DUPLICATE
04/13/10 0000830115 1.00 DUPLICATE
04/13/10 0000830116 1.00 DUPLICATE
04/13/10 0000830117 1.00 DUPLICATE
04/13/10 0000830118 1.00 DUPLICATE
04/13/10 0000830119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000840119 1.00 DUPLICATE
04/13/10 0000850110 1.00 DUPLICATE
04/13/10 0000850111 1.00 DUPLICATE
04/13/10 0000850112 1.00 DUPLICATE
04/13/10 0000850113 1.00 DUPLICATE
04/13/10 0000850114 1.00 DUPLICATE
04/13/10 0000850115 1.00 DUPLICATE
31

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Register Exceptions Report
• Report totals are provided at the end
of the report.
• Report content is available as a
PDF file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE : 02 RPT : R-840 REGISTER EXCEPTIONS AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

ISSUE DATE SERIAL NUMBER AMOUNT EXCEPTION CONDITION CUSTOMER INFO PAYEE IDENTIFICATION ---------------------------------------------------------------------------------------------------------------------------------- 04/13/10 0000850116 1.00 DUPLICATE 04/13/10 0000850117 1.00 DUPLICATE
04/13/10 0000850118 1.00 DUPLICATE
04/13/10 0000850119 1.00 DUPLICATE
04/13/10 0000870110 1.80 DUPLICATE
04/13/10 0000870111 1.80 DUPLICATE
04/13/10 0000870112 1.80 DUPLICATE
04/13/10 0000870113 1.80 DUPLICATE
04/13/10 0000870114 1.80 DUPLICATE
04/13/10 0000870115 1.80 DUPLICATE
04/13/10 0000870116 1.80 DUPLICATE
04/13/10 0000870117 1.80 DUPLICATE
04/13/10 0000870118 1.80 DUPLICATE
04/13/10 0000870119 1.80 DUPLICATE
04/13/10 0000880110 1.00 DUPLICATE
04/13/10 0000880111 1.00 DUPLICATE
04/13/10 0000880112 1.00 DUPLICATE
04/13/10 0000880113 1.00 DUPLICATE
04/13/10 0000880114 1.00 DUPLICATE
04/13/10 0000880115 1.00 DUPLICATE
04/13/10 0000880116 1.00 DUPLICATE
04/13/10 0000880117 1.00 DUPLICATE
04/13/10 0000880118 1.00 DUPLICATE
04/13/10 0000880119 1.00 DUPLICATE
10/18/09 0004480178 1.78 DUPLICATE
10/17/09 0004480179 1.79 DUPLICATE
10/16/09 0004480180 1.80 DUPLICATE
10/15/09 0004480181 1.81 DUPLICATE
10/14/09 0004480182 1.82 DUPLICATE
10/13/09 0004480183 1.83 DUPLICATE
10/12/09 0004480184 1.84 DUPLICATE
10/11/09 0004480185 1.85 DUPLICATE
10/10/09 0004480186 1.86 DUPLICATE
10/09/09 0004480187 1.87 DUPLICATE
10/08/09 0004480188 1.88 DUPLICATE
10/07/09 0004480189 1.89 DUPLICATE
10/06/09 0004480190 1.90 DUPLICATE
04/13/10 0004480310 1.00 DUPLICATE
04/13/10 0004480311 1.00 DUPLICATE
04/13/10 0004480312 1.00 DUPLICATE
04/13/10 0004480313 1.00 DUPLICATE
04/13/10 0004480314 1.00 DUPLICATE
04/13/10 0004480410 1.00 DUPLICATE
04/13/10 0004480411 1.00 DUPLICATE
04/13/10 0004480412 1.00 DUPLICATE
04/13/10 0004480413 1.00 DUPLICATE
04/13/10 0004480414 1.00 DUPLICATE
04/13/10 0004480510 1.00 DUPLICATE
04/13/10 0004480511 1.00 DUPLICATE
04/13/10 0004480512 1.00 DUPLICATE
04/13/10 0004480513 1.00 DUPLICATE
04/13/10 0004480514 1.00 DUPLICATE
04/13/10 0004480610 1.00 DUPLICATE
32

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Register Exceptions Report
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE : 03 RPT : R-840 REGISTER EXCEPTIONS AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

ISSUE DATE SERIAL NUMBER AMOUNT EXCEPTION CONDITION CUSTOMER INFO PAYEE IDENTIFICATION ---------------------------------------------------------------------------------------------------------------------------------- 04/13/10 0004480611 1.00 DUPLICATE 04/13/10 0004480612 1.00 DUPLICATE
04/13/10 0004480613 1.00 DUPLICATE
04/13/10 0004480614 1.00 DUPLICATE
04/01/08 0004480710 1.00 DUPLICATE
04/01/08 0004480711 1.00 DUPLICATE
04/01/08 0004480712 1.00 DUPLICATE
04/01/08 0004480713 1.00 DUPLICATE
04/01/08 0004480714 1.00 DUPLICATE
04/01/08 0004480715 1.00 DUPLICATE
04/01/08 0004480716 1.00 DUPLICATE
04/01/08 0004480717 1.00 DUPLICATE
04/01/08 0004480718 1.00 DUPLICATE
04/01/08 0004480719 1.00 DUPLICATE
04/01/08 0004480720 1.00 DUPLICATE
04/01/08 0004480721 1.00 DUPLICATE
04/01/08 0004480722 1.00 DUPLICATE
04/01/08 0004480723 1.00 DUPLICATE
04/01/08 0004480724 1.00 DUPLICATE
04/01/08 0004480725 1.00 DUPLICATE
04/01/08 0004480726 1.00 DUPLICATE
04/01/08 0004480727 1.00 DUPLICATE
04/01/08 0004480728 1.00 DUPLICATE
04/01/08 0004480729 1.00 DUPLICATE
TOTAL ITEMS: 130 148.92 FOR EXCEPTION CATEGORY: DUPLICATE 04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0000850110 1.00 DUPLICATE CANCEL
04/13/10 0004480510 1.00 DUPLICATE CANCEL
04/13/10 0004480511 1.00 DUPLICATE CANCEL
04/13/10 0004480512 1.00 DUPLICATE CANCEL
04/13/10 0004480513 1.00 DUPLICATE CANCEL
33

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Register Exceptions Report
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE : 04 RPT : R-840 REGISTER EXCEPTIONS AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

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Payee Name Report
• Contains all Paid and Unpaid
(outstanding) items with the Payee
Names as provided in your issue file.
• This Report will only be generated
for subscribers to the payee name
verification service.
• Item content includes serial number,
amount, date paid, date issued,
sequence number and payee name as
provided in the check issue record.
• Report content is available as a PDF
file or can be downloaded and saved
as a CSV file.

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Issued and Paid Check Listing
The Report provides side-by-side detail of issued versus paid check activity for the most recently completed reconciliation cycle. • On the left, a section indicates the
issue record information. This data
is sorted by serial number and
includes the effective date of the
issued check and the dollar amount
of the issue record.
• On the right, a section includes
“Paid/Stop/Cancel” information to
match against the issue records. This
information includes the effective date
of a matching transaction, the dollar
amount of the item and an exception
status where applicable.
• Items that carry a dollar amount
discrepancy from the “Issued” to
the “Paid/Stop/Cancel” sections will
be identified by values in the
“Difference” column.
• Report totals are provided at the end
of the report.
• Data provided is for the period being
reconciled.
• Report content is available as a
PDF file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1 RPT : R-860 ISSUED AND PAID CHECK LISTING AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company
|-------------------ISSUE-----------------------| |---------------------PAID/STOP/CANCEL----------------------| SERIAL NUMBER ISSUE DATE AMOUNT EFFECTIVE AMOUNT EXCEPTION CONDITION DIFFERENCE ---------------------------------------------------------------------------------------------------------------------------------- 0000810110 04/13/10 1.00 04/13/10 1.00 0.00 0000810111 04/13/10 1.00 04/13/10 1.00 0.00 0000810112 04/13/10 1.00 04/13/10 1.00 0.00 0000810113 04/13/10 1.00 04/13/10 1.00 0.00 0000810114 04/13/10 1.00 04/13/10 1.00 0.00 0000810115 04/13/10 1.00 04/13/10 1.00 0.00 0000810116 04/13/10 1.00 04/13/10 1.00 0.00 0000810117 04/13/10 1.00 04/13/10 1.00 0.00 0000810118 04/13/10 1.00 04/13/10 1.00 0.00 0000810119 04/13/10 1.00 04/13/10 1.00 0.00 0000830110 04/13/10 1.00 04/13/10 1.00 0.00 0000830111 04/13/10 1.00 04/13/10 1.00 0.00 0000830112 04/13/10 1.00 04/13/10 1.00 0.00 0000830113 04/13/10 1.00 04/13/10 1.00 0.00 0000830114 04/13/10 1.00 04/13/10 1.00 0.00 0000830115 04/13/10 1.00 04/13/10 1.00 0.00 0000830116 04/13/10 1.00 04/13/10 1.00 0.00 0000830117 04/13/10 1.00 04/13/10 1.00 0.00 0000830118 04/13/10 1.00 04/13/10 1.00 0.00 0000830119 04/13/10 1.00 04/13/10 1.00 0.00 0000850110 04/13/10 1.00 04/13/10 1.00 CANCEL PLACED 0.00 0004480110 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480111 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480112 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480113 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480114 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480178 10/18/09 1.78 04/13/10 1.78 0.00 0004480179 10/17/09 1.79 04/13/10 1.79 0.00 0004480180 10/16/09 1.80 04/13/10 1.80 0.00 0004480181 10/15/09 1.81 04/13/10 1.81 0.00 0004480182 10/14/09 1.82 04/13/10 1.82 0.00 0004480182 10/14/09 1.82 04/11/10 1.82 PAID AGAINST STALE 0.00 0004480183 10/13/09 1.83 04/13/10 1.83 0.00 0004480183 10/13/09 1.83 04/11/10 1.83 PAID AGAINST STALE 0.00 0004480184 10/12/09 1.84 04/13/10 1.84 0.00 0004480184 10/12/09 1.84 04/11/10 1.84 PAID AGAINST STALE 0.00 0004480185 10/11/09 1.85 04/13/10 1.85 0.00 0004480185 10/11/09 1.85 04/11/10 1.85 PAID AGAINST STALE 0.00 0004480186 10/10/09 1.86 04/13/10 1.86 0.00 0004480186 10/10/09 1.86 04/11/10 1.86 PAID AGAINST STALE 0.00 0004480187 10/09/09 1.87 04/13/10 1.87 0.00 0004480187 10/09/09 1.87 04/11/10 1.87 PAID AGAINST STALE 0.00 0004480188 10/08/09 1.88 04/13/10 1.88 0.00 0004480188 10/08/09 1.88 04/11/10 1.88 PAID AGAINST STALE 0.00 0004480189 10/07/09 1.89 04/13/10 1.89 0.00 0004480189 10/07/09 1.89 04/11/10 1.89 PAID AGAINST STALE 0.00 0004480190 10/06/09 1.90 04/13/10 1.90 0.00 0004480190 10/06/09 1.90 04/11/10 1.90 PAID AGAINST STALE 0.00 0004480210 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480210 01/01/01 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480211 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480211 01/01/01 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 38

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Issued and Paid Check Listing
DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 2 RPT : R-860 ISSUED AND PAID CHECK LISTING AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company
|-------------------ISSUE-----------------------| |---------------------PAID/STOP/CANCEL----------------------| SERIAL NUMBER ISSUE DATE AMOUNT EFFECTIVE AMOUNT EXCEPTION CONDITION DIFFERENCE ---------------------------------------------------------------------------------------------------------------------------------- 0004480212 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480212 01/01/01 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480213 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480213 01/01/01 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480214 01/01/01 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480214 01/01/01 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480410 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480411 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480412 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480413 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480414 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480510 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480511 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480512 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480513 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480514 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480610 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480610 04/13/10 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480611 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480611 04/13/10 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480612 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480612 04/13/10 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480613 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480613 04/13/10 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480614 04/13/10 1.00 04/13/10 1.00 STOP PLACED 0.00 0004480614 04/13/10 1.00 04/11/10 1.00 PAID AGAINST STOP 0.00 0004480710 04/01/08 1.00 04/13/10 1.00 0.00 0004480710 04/01/08 1.00 04/11/10 1.00 PAID AGAINST STALE 0.00 0004480711 04/01/08 1.00 04/13/10 1.00 0.00 0004480711 04/01/08 1.00 04/11/10 1.00 PAID AGAINST STALE 0.00 0004480712 04/01/08 1.00 04/13/10 1.00 0.00 0004480712 04/01/08 1.00 04/11/10 1.00 PAID AGAINST STALE 0.00 0004480713 04/01/08 1.00 04/13/10 1.00 0.00 0004480713 04/01/08 1.00 04/11/10 1.00 PAID AGAINST STALE 0.00 0004480714 04/01/08 1.00 04/13/10 1.00 0.00 0004480714 04/01/08 1.00 04/11/10 1.00 PAID AGAINST STALE 0.00 TOTAL FOR ACCOUNT 1234567890 ABC Company
TOTAL ISSUE AMOUNT: 106.66 TOTAL PAID/STOP/CANCEL AMOUNT: 106.66 TOTAL NUMBER OF ISSUES: 88 TOTAL NUMBER OF PAID/STOP/CANCEL: 88 NET DEBIT AND CREDIT AMOUNT: 0.00
TOTAL NUMBER OF DEBITS AND CREDITS: 0
39

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Cancel Listing

REPORT CHARACTERISTICS
• Data elements include:
– Listing of cancelled check registers
existing on the bank’s Account
Reconciliation system at the most
recent cycle end
– Issue date and dollar value of
the cancelled item
– Exception status (cancelled,
cancelled discrepancy, and
cancelled no issue) is indicated
where applicable
• Report is sorted by item serial number.
• Indicates “010101” when issue date
is unknown.
• Report totals are provided at the end
of the report.
• Data provided is for the period
being reconciled.
• Report content is available as a
PDF file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1 RPT : R-870 CANCEL LISTING AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

SERIAL NUMBER ISSUE DATE AMOUNT EXCEPTION CONDITION
---------------------------------------------------------------------------------------------------------------------------------- 0000143693 01/01/01 12,012.00 CANCEL NO ISSUE 0000143694 01/01/01 435.00 CANCEL NO ISSUE
0000143695 01/01/01 536.63 CANCEL NO ISSUE
0004550130 04/01/10 1.00 CANCEL
0004550131 04/01/10 1.00 CANCEL
0004550230 04/01/10 1.00 CANCEL
0004550231 04/01/10 1.00 CANCEL
0004550330 01/01/01 1.00 CANCEL NO ISSUE
0004550331 01/01/01 1.00 CANCEL NO ISSUE
0004550340 04/01/10 7.00 CANCEL DISCREPANCY
0004550341 04/01/10 7.00 CANCEL DISCREPANCY
0004550370 04/01/10 1.00 CANCEL NO ISSUE
0004550370 04/01/10 1.00 CANCEL
0004550371 04/01/10 1.00 CANCEL NO ISSUE
0004550371 04/01/10 1.00 CANCEL
0004550380 04/01/10 7.00 CANCEL DISCREPANCY
0004550381 04/01/10 7.00 CANCEL DISCREPANCY
0004550424 01/01/01 1.00 CANCEL NO ISSUE
0004550425 01/01/01 1.00 CANCEL NO ISSUE
0004550426 04/01/10 7.00 CANCEL DISCREPANCY
0004550427 04/01/10 7.00 CANCEL DISCREPANCY
0004550434 04/01/10 1.00 CANCEL NO ISSUE
0004550434 04/01/10 1.00 CANCEL
0004550435 04/01/10 1.00 CANCEL NO ISSUE
0004550435 04/01/10 1.00 CANCEL
0004550620 04/01/10 0.00 CANCEL NO ISSUE
0004550620 04/01/10 0.00 CANCEL
0004550621 04/01/10 0.00 CANCEL
0004550621 04/01/10 0.00 CANCEL NO ISSUE
TOTAL FOR ACCOUNT 1234567890 ABC Company
TOTAL ITEMS: 29 13,041.63
41

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Stop Check Detail Report

REPORT CHARACTERISTICS
• Includes all existing stops as of the
end of the period.
• Stop date
• Serial number
• Amount
• Payee information if applicable
• A “yes” or “no” indicator if the check
has been cancelled
• Check status: check has been
presented and returned, or check has
not been presented
• Item count and total dollar amount
18 DATE: 03/31/14 BMO HARRIS BANK N.A. PAGE 1
RPT : R-890 STOP CHECK DETAIL AS OF: 03/31/14
TEAM: 006 BRANCH: 00000
BANK: 028 ACCOUNT: 1234567890 ABC COMPANY PAYABLES ACCOUNT

SERIAL NUMBER ISSUE DATE STOP DATE AMOUNT DESCRIPTION CANCEL PAYEE IDENTIFICATION ---------------------------------------------------------------------------------------------------------------------------------- 0002019843 10/26/11 2.00 STOP-CHECK HAS NOT BEEN PRESENTED NO PICT THIS ENTERTAIN 0002022423 04/05/12 12.00 STOP-CHECK HAS NOT BEEN PRESENTED NO FANDANGO INC. 0002026200 02/03/12 9.62 STOP-CHECK HAS NOT BEEN PRESENTED NO BEN ARN 0002027378 04/03/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO LIZA MARCH 0002027672 04/18/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO PURETRACKS 0002030612 08/02/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO VAN IWAARDEN ASSOCIATE 0002033802 09/05/12 300.25 STOP-CHECK HAS NOT BEEN PRESENTED NO GARDNER EQUIPMENT CO., 0002033990 08/07/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO ONE CLIQUE MEDIA LLC 0002034502 09/12/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO MADE BY HANDS INC 0002035915 10/25/12 1.00 STOP-CHECK HAS NOT BEEN PRESENTED NO STYLE ASI INC. 0002037099 10/30/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO AMAZON CORPORATE GIFT 0002037290 10/30/12 33.00 STOP-CHECK HAS NOT BEEN PRESENTED NO AMAZON CORPORATE GIFT 0002038070 12/06/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO HAMILTON BEACH 0002038110 12/13/12 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO MALIBU CREATIONS 0002038365 12/06/12 992.00 STOP-CHECK HAS NOT BEEN PRESENTED NO HAMILTON BEACH 0002038588 12/13/12 562.50 STOP-CHECK PRESENTED AND RETURNED NO BON CORPORATION 0002040815 01/18/13 0.00 STOP-CHECK HAS NOT BEEN PRESENTED NO NATIONAL GIFT CARD TOTAL FOR ACCOUNT 1234567890 ABC COMPANY PAYABLES ACCOUNT TOTAL ITEMS: 17 0.00

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Account Reconcilement Report Guide

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Stale Dated Checks

REPORT CHARACTERISTICS
• Data elements included:
– Lists stale issues existing on the
bank’s Account Reconciliation
system as of the most recent
cycle end
– Issue date of the stale item, along
with the item dollar amount
– Payee name—if found in the check
issue file and you subscribe to the
payee name verification service
– Additional customer information as
supplied in the check issue file
• The Report is sorted by item
serial number.
• Report totals are provided at the end
of the report.
• Report content is available as a
PDF file.

DATE: 04/30/10 BMO HARRIS BANK N.A. PAGE 1 RPT : R-880 STALE DATED CHECKS AS OF: 04/30/10 TEAM: 032 BRANCH: 00000 BANK: 028 ACCOUNT: 1234567890 ABC Company

SERIAL NUMBER ISSUE DATE AMOUNT CUSTOMER INFO PAYEE IDENTIFICATION ---------------------------------------------------------------------------------------------------------------------------------- 0004480715 04/01/08 1.00 0004480716 04/01/08 1.00
0004480717 04/01/08 1.00
0004480718 04/01/08 1.00
0004480719 04/01/08 1.00
0004480720 04/01/08 1.00
0004480721 04/01/08 1.00
0004480722 04/01/08 1.00
0004480723 04/01/08 1.00
0004480724 04/01/08 1.00
0004480725 04/01/08 1.00
0004480726 04/01/08 1.00
0004480727 04/01/08 1.00
0004480728 04/01/08 1.00
0004480729 04/01/08 1.00
TOTAL FOR ACCOUNT 1234567890 ABC Company
TOTAL ITEMS: 15 15.00
43

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Account Reconcilement Report Guide

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Return Items Instruction
To obtain return item information, you will need to log into Online Banking for Business, select the Check Imaging module and query the return item images. This query will provide details on deposited items returned (Chargebacks). Images are available for two years and queries need to be made within that timeframe to get the detailed returned item information.

If a representative at your company needs access to the Check Imaging module and does not have an Online Banking for Business user ID and password, contact your Treasury & Payment Solutions Sales Manager or call the Client Services Response Center at 1.877.895.3278.

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Account Reconcilement Report Guide

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Glossary of Terms
Cancel: Check register requests offset an outstanding
check issued in the account register. Also referred to as a “voided” item.

Cancel Discrepancy: Cancel requests for which an
issue record does exist on file, but the issued check and the cancel do not meet the match criteria.

Cancel No Issue: Cancel requests for which no issue
record exists on file within the same account.

Check: Transactions originated as non-electronic drafts drawn against the account.

Credit: These are transactions representing the deposit of funds into the account.

Debit: These are transactions originated as non-check
draws against the account.

Duplicate: Checks for which no issue record exists
on file within the same account due to the previously
outstanding issue record already being matched against
a paid check. Item will often be categorized as a “paid no issue” exception type.

Duplicate Cancel: Cancels for which no issue record
exists on file within the same account due to the
previously outstanding issue record already being
matched against a cancel.

Duplicate Stop: Stops for which no issue record exists
on file within the same account due to the previously
outstanding issue record already being matched against
a Stop.

Effective/Issue Date: Date that the issue record
indicates as the effective, or issued, date of the check.

Issue: Check register requests that add an item to the
outstanding check register for the account.

Issue Amount Discrepancy: Issue amount disagrees
with paid check.

Matched: Items reconciled where item details such as
serial number and amount correspond to one another.

Outstanding: Records within the account register that
remains unmatched by an offset check/stop/cancel
item.

Paid Against Cancel: Checks for which an issue
record exists on file within the same account, but the
issue record has been assigned an exception status
of “cancel”.

Paid Against Stale: Checks for which an issue record
exists on file within the same account, but the issue
record has been assigned an exception status of “stale”.

Paid Against Stop: Checks for which an issue record
exists on file within the same account, but the issue
record either has been assigned an exception status of
“stopped” or the issue has been matched to a stop.

Paid Discrepancy: Checks for which an issue record
does exist on file, but the issue and paid amounts do
not meet the match criteria.

Paid No Issue: Checks for which no issue record exists
on file within the same account.

Post Date: Date that the transaction “posted” to the
account reconcilement system.

Stale: Outstanding check registers that have exceeded
the number of days allowable before being considered
stale.

Stop Discrepancy: Stops that have been placed for
which an issue record does exist on file, but the issued check and the stop payment do not meet the match
criteria.

Stop No Issue: Stops that have been placed for which
no issue record exists on file within the same account.

Trancode: Code within internal bank systems assigned
to the posting transaction type of the item.

Trancode Description: Description within internal bank
systems assigned to the posting transaction type of the item.

Unmatched: Items reconciled where item details such
as serial number and amount do not correspond to one
another.

Void: See “Cancel”.

This guide is provided for informational purposes only, does not form a part of our agreement with you, and is subject to change from time to time. Please refer to the agreements that we have entered into with you for the terms and conditions governing the products and services that we provide to you.

BMO Harris® and BMO Harris Bank® are trade names used by BMO Harris Bank N.A. Banking deposit and loan products and services are provided by BMO Harris Bank N.A. Member FDIC.

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 78
Exhibit 8: Sample Online Banking for Business Reports
Sample Online Banking for Business Reports can be found on the following pages.

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BMO Online Banking for Business
Sample Reports

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 1 | Page Each report displays data for the accounts and dates you select. You can obtain near real-time balance and activity reports for an unlimited number of BMO accounts, automate your reporting procedures, and retrieve account history through tools that support your Account Information management.

Every report has its own Generate and Customize buttons for quick access to these functions.

Use the ‘From and To Date’ picker integrated within the Date Range dropdown that is accessible through the Custom Range option. This will be useful for generating previous day and current day reporting.

Easily search in reports by name and type in the search bar.

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 2 | Page Users can edit the report name, description, and type within the Customize page/function.

Account or Account Groups can be selected from the same overlay. Same is applicable for Transaction or Transaction Groups.

Date, Account & Transaction Details, Display Details, and Sorting & Filtering are expandable to aid the user in looking at each item and user is able to look at each at a time without having to scroll down.

Sample reports are provided on the following pages.

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 3 | Page Sample Detail Report:

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 4 | Page Sample Summary Report:

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 5 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 6 | Page Sample Reconciliation Report:

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 7 | Page Sample Sweep Report:

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 8 | Page Cash Flow Forecasting:

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 9 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 10 | Page Wire Reports:

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 11 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 12 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 13 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 14 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 15 | Page ACH Reports
Reporting is an important part of using the ACH service; reports provide access to critical information for auditing and tracking payments. A series of standard reports are included with the ACH service to help customers track their Automated Clearing House transactions. It is important to note, these reports are not automatically setup, and they must be requested.

REPORT NAME
STD = Standard
OPT = Optional

DESCRIPTION
STD Return/
Redistribution
Report
Details about return items, Notification of Changes (NOCs) and re-deposits are reported in the window in which the items were received by the Fed.

You may receive up to three reports/files in a given day. If elect to receive a Nacha formatted file, we can concatenate the files and send them at one time if you prefer.

Why is itimportant? Notifies you ofreturned items and NOCs thatrequire immediate attention.

TIMING: This report is usually generated within 1-2 days the settlement date.

If elect to receive a Nacha formatted file, we can concatenate the files and send them at one time if you prefer.

STD Deletion/Reversal
Report
This report provides notification that an item, batch orfile was deleted or reversed.

Why is itimportant? Notifies you of deleted or reversed batch file(s).

TIMING: This report is usually generated during our end of day processing.

You will receive the report the morning after the file has been sent.

STD NOC Manager
Report
This report contains a list of all Notifications of Change (NOCs) that have been created for the past month, as well as a list of transactions BMO Harris Bank corrected on your behalf to ensure successful posting at the receiving financial institution without issue.

Why is itimportant? Nacha rules require NOCs to be corrected within 6 banking days or before the next initiated payment. Not making the correction can result in Nacha violations and potential fines. In order to avoid the violations and fines, BMO Harris implemented a tool to make the corrections on your behalf for a fee. The initial NOC is reported on the Return/Redistribution report in order for you to make the correction, but if you miss that report, our tool will make the correction(s). It provides the details in order for you to apply the corrections to your future payments to the recipient.

TIMING: This report is generated after month end.

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 16 | Page

REPORT NAME
STD = Standard
OPT = Optional

DESCRIPTION

OPT ACH
Acknowledgment
Report
This report confirms total debits, credits, number of batches received by BMO Harris.

Why is itimportant? Confirms file(s) transmitted to BMO Harris and associated tallies.

TIMING: This report is usually generated within minutes of receiving the file.

OPT Settlement Advice
Report
This report illustrates settlement totals for a given day.

Why is itimportant? Provides a record of all transactions settled on a given day. This report will compile all transactions from all files into one report.

TIMING: This report is usually generated at the end of the settlement day.

Customer will receive the report the morning after the file has been settled.

OPT Origination
Summary Report
Displays the entry descriptions for all of your transaction types.

Why is it important? Confirms transactions sent in multiple batches into a single file and displays the totals for each batch BMO Harris processed.

This report is useful when reconciling account activity.

TIMING: This report is usually generated during our end of day processing.

You will receive the report the morning after the file has been sent.

OPT Collection
Exception Report
Lists all exceptions (BMO Harris rejections) on the date submitted.

Why is it important? Provides timely notification of exceptions so you can adjust and resubmit files right away.

TIMING: This report is generated on the day the file is submitted (note this report cannot be delivered via Electronic Report Delivery) OPT PEP+
Payment
Authorization
Report
This report provides information about rejected payments received against your account if you are using Block, Electronic Payment Authorization/debit filters (EPA) or ACH Positive Pay.

Why is it important? Provides timely notification of rejected payments so you can make the appropriate arrangements or changes.

TIMING: This report is generated in the window that the payment was returned.

There are three processing windows throughout the day. The last window is 7 p.m. CT, which is the window that un-decisioned ACH Positive Pay items will be returned.

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 17 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 18 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 19 | Page

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Sample Reports
Online Banking for Business
©2023, BMO Financial Corp., All Rights Reserved. Member FDIC. 20 | Page

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BMO O Treasury & Payment Solutions

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 79
Exhibit 9: Sample Account Analysis Statement and Guide
A Sample Account Analysis Statement and Guide can be found on the following pages.

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1 Sample Account Analysis Statement and Guide

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2 PROPOSAL FOR FOX VALLEY TECHNICAL COLLEGE FOUNDATION, INC.

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3 PROPOSAL FOR FOX VALLEY TECHNICAL COLLEGE FOUNDATION, INC.

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4 PROPOSAL FOR FOX VALLEY TECHNICAL COLLEGE FOUNDATION, INC.

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 80
Exhibit 10: Sample Detail Report
A Sample Detail Report can be found on the following page.

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Date BAI Transaction
Description Customer Reference Bank Reference Debit Credit Availability Details January 24, 2023 206 Transfer of Funds $0.01 0010-1080-417 3587 January 24, 2023 206 Transfer of Funds $0.02 0443-1017-785 3587 January 24, 2023 475 Check 121 $2.00
January 24, 2023 475 Check 120 $14.00
January 24, 2023 475 Check 119 $6.25
January 24, 2023 174 Deposit $2.25
January 24, 2023 699 Debit Memo $6.50 DIRECTLINE DEMO
January 24, 2023 399 Credit Memo $12.50 DIRECTLINE DEMO January 24, 2023 971 FBPS Transfer /
Correction $20.00 EGL DEMO BR 0002
January 24, 2023 935 FCCS Deposit /
Correction 010 010000000027 $10.00 FCCS CORP DEMO DIRECTLINE DEMO January 24, 2023 935 FCCS Deposit /
Correction 009 009000024567 $8.00

FCCS CORP DEMO
GOC 10 PERCENT
JUL15/10
January 24, 2023 935 FCCS Deposit /
Correction 008 008200056789 $6.00 TUESDAY EVENING RECEIPTS January 24, 2023 935 FCCS Deposit /
Correction 007 007000000234 $4.00 PMT INV 2001
January 24, 2023 935 FCCS Deposit /
Correction 006 006234567890 $2.00 MONDAY SALES DEPOSIT
January 24, 2023 206 Transfer of Funds $4.50 0010-1080-417 January 24, 2023 506 Transfer of Funds $23.50 0004-1108-245 January 24, 2023 506 Transfer of Funds $372.61 0443-1017-785 January 24, 2023 506 Transfer of Funds $21.58 0010-1080-417 January 24, 2023 275 * Zero Balance Credit $370.59
0443-1017-785 ZERO

BALANCE

TRANSACTION
$466.44 $419.87
Total Debit And Credit Items: 8 11
Detail Report - by Processing Date
Generated By:11000000_HUSSAIN11
Generated On:Jan 25, 2023 11:17:22 AM EST
Date Range: Jan 24, 2023 to Jan 24, 2023
USD CHICAGO DEMOxxxxxxxxxxx - XXXXXXX6471 USD (BMO - DDA) Total Debits And Credits:

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 81
Exhibit 11: BMO Q2 2023 Fact Sheet
The BMO Q2 2023 Fact Sheet can be found on the following pages.

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BMO Financial Group key facts
Strong balance sheet, long track record of consistent and resilient financial performance Financial Highlights BMO1
(CDE)
BHB1
(USD)
Assets ($B) 1,251 265
Gross Loans & Acceptances ($B) 649 158
Deposits ($B) 875 208
CET1 Ratio3(%) 12.2% 11.1%
Leverage Ratio3(%) 4.3% 9.9%
Liquidity Coverage Ratio3(%) 129% n/a

5.1 7.8

13.5 5.2

8.7 9.0
F2020 F2021 F2022
Net Income (C$B)
Reported
Adjusted
Market Capitalization:

C$87.1B1
Consistent dividends:
194 year payout record
5% 15-year CAGR7
Strong total shareholder returns:
3-yr TSR: 27%5
5-yr TSR: 9%5
Well capitalized with ratios that exceed regulatory requirements and strong credit ratings BMO6 BMO Harris
Bank
Moody’s A2 Baa1
S&P A- A+
DBRS AA (low) AA (low)
Fitch AA- AAStrong Credit Ratings
This document includes forward looking statements, refer the caution regarding forward looking statements in BMO’s Q2 2023 report to shareholders 1 BMO data as at April 30, 2023, BHB data as at March 31, 2023 2 Source: Bloomberg GICS screen of North American banks by total assets as at April 30, 2023 3 BMO’s CET1 Ratio, Total Capital and Leverage Ratio are disclosed in accordance with OSFI’s Capital Adequacy Requirements Guideline, as applicable; LCR is disclosed in accordance with OSFI’s Liquidity Adequacy Requirements Guideline, as applicable. BHB’s CET1 Ratio, Total Capital and Leverage Ratio are disclosed in accordance with the regulations of the FRB (Capital Framework), as applicable. 4 Adjusted results are non-GAAP measures. Certain information contained in BMO’s Annual 2022 Management’s Discussion and Analysis (MD&A) dated December 1, 2022 is incorporated herein by reference, including the composition, use and comparability of non-GAAP and other financial measures and reconciliations to the most directly comparable financial measures in BMO’s financial statements. Further information can be found in the “Non-GAAP and Other Financial Measures” and “Glossary of Financial Terms” sections of the MD&A (available at www.bmo.com/investorrelations and www.sedar.com) 5 The 3-year TSR is the annualized return for the 3 years from April 30, 2020 to April 30, 2023; The 5-year TSR is the annualized return for the 5 years from April 30, 2018 to April 30, 2023 6 Ratings as of April 30, 2023 for senior debt issued after September 23, 2018, subject to conversion under the Bank Recapitalization (Bail-In) Regime 7 Annual dividends for the 15-year period representing 2007 to 2022 BMO Investor Relations http://www.bmo.com/investorrelations; Email: [email protected] Capital and Liquidity Exceeds Regulatory Requirements
4 BMO Commercial Bank
4 4 4
BMO Regulatory Requirement BHB Well Capitalized
Serving customers for
200 years and
counting
With assets of C$1.25 trillion,
BMO is North America’s
eighth largest bank by
assets1,2
Over 13
million
customers
Personal and
commercial banking,
wealth management
and capital markets
capabilities
Strong capital and
liquidity position
above regulatory
requirements
Long-term
track record
of leading risk
performance

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BMO U.S. – scale, growth further enhanced by Bank of the West Benefiting from the strength of BMO’s trillion-dollar balance sheet Proven strength in Commercial Banking with advantaged market share BMO Investor Relations http://www.bmo.com/investorrelations; Email: [email protected] • U.S. Segment contributed ~45%4 of bank adjusted net income in Q2’23 (negative contribution on a reported basis)
• Broad capabilities: Personal & Commercial Banking, Wealth Management and Capital Markets
• Only North American bank with integrated North-South
business model, driving efficiencies
• One-Client approach, with local market and unified cross border expertise
• Presence in three of the top five U.S. markets
• Digital retail and payments platforms across all 50 states BMO Financial Group
C$1.25 trillion in assets
BMO U.S. Segment
US$4193billion in assets
BMO U.S. Bank
US$2653billion in assets
Well-positioned going forward
• A relationship-based commercial bank; top 5 commercial lender5 in North America
— In Canada: Top tier commercial banking business, #2
market share for business loans6
— In the U.S.: Diversified national business, supported by industry knowledge and top-tier share in flagship markets — Integrated and leading cash management, treasury and
payment capabilities
— Best-in-class customer experience and industry leading client loyalty
• Sole or lead position on ~90% of relationships
• Diversified growth, consistent risk appetite and underwriting, quality and reputation of the business
1 Ranking by assets as at Mar 31, 2023 and internal analysis. Source: SNL Financial. Top 10 U.S. >$1T: JP Morgan, Bank of America, Citibank, Wells Fargo. $250B-$750B: U.S. Bank, PNC Bank, Truist Bank, TD Bank, Capital One, BMO
2 Share of commercial loans based upon publicly available U.S. regulatory filings (FR Y-9Cs and FFIEC 002s) and internal analysis 3 BMO U.S. Bank as at balances based upon BMO Harris N.A. publicly available U.S. regulatory filing (FFIEC 031) for period ending Mar 31, 2023. BMO U.S. Segment based on average balances for Q2’23 4 Net revenue is a non-GAAP measure. Certain information contained in BMO’s Q2 2023 and Annual 2022 Management’s Discussion and Analysis (MD&A) dated May 24, 2023 and December 1, 2022, respectively, is incorporated herein by reference, including the composition, use and comparability of non-GAAP and other financial measures and reconciliations to the most directly comparable financial measures in BMO’s financial statements. Further information can be found in the “Non-GAAP and Other Financial Measures” and “Glossary of Financial Terms” sections of the MD&A (available at www.bmo.com/investorrelations and www.sedar.com )
5 Share of commercial loans based upon publicly available U.S. regulatory filings (FR Y-9Cs and FFIEC 002s) and internal analysis 6 Ranked #2 in market share based on business loans $0-$25MM and $0-$100MM. Source: Canadian Bankers Association as at September 2022 7 Based on reported results; Percentages determined excluding results in Corporate Services 8 Other Commercial includes industry segments that are each <1% of commercial gross loans and acceptances BMO Commercial Bank

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 82
Exhibit 12. Funds Availability Schedule
BMO’s Funds Availability Schedule can be found on the following pages.

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07/2021 Ver 5.0 Page 1 of 3
Our general policy for Commercial Checking Accounts (including Commercial Checking, Commercial NOW and Commercial Money Market) is to make the funds from your wire transfers and electronic direct deposits available to you on the Business Day we receive the deposit. Funds from cash deposits will be made available to you on the day of deposit. Funds from check deposits will be made available to you according to the Availability Schedule assigned to your check deposits. The length of delay varies depending on the type and method of deposit, and is explained below. Once the funds are available, we will use the funds to pay checks you have written or you can withdraw the funds in cash.

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07/2021 Ver 5.0 Page 2 of 3
Cashing a Check Not Drawn On Us
If we cash a check that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your checking account or another account you have with us (or one of our affiliates). Those funds will be available at the time funds from the check we cashed would have been available had you deposited it.

If you will need the funds from a deposit immediately, you should ask us when the funds will be available.

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07/2021 Ver 5.0 Page 3 of 3
If you have any questions regarding this policy, or about the availability of any deposit you make, please contact the Client Response Center at 1-877-895-3278.

International Items
All international items should be directed to:

Mailing Address: Overnight / Courier:

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 83
Exhibit 13. Elavon New Application – Government Institutional – 04.2023 Elavon’s New Application – Government Institutional for April 2023 can be found on the following pages.

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City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 84
Exhibit 14. Elavon Service Fees Public Sector
Elavon’s Service Fees for Public Sector can be found on the following pages.

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Public Sector Service Fees
A Service Fee program is a flexible solution that
can be leveraged to offset the cost of accepting all
payments, not just credit cards. A service fee can
be a flat fee or a percentage of the transaction –
depending on the payment method. Unlike other
Fee programs, there are no set caps or rules
around specific service fee amounts. However, the
fee must be reasonable as compared to the cost
of processing the transaction. This gives
organizations the flexibility to leverage a fee that
matches its acceptance cost model.

Service fees are only available to a select
set of organizational types as established by
the card brands. Although they are allowed
in both card present and card-not-present
environments, there are specific card brand
rules guiding the collection of them.

Elavon’s Service Fee program help you
remain compliant with these brand
acceptance rules, while efficiently and
effectively implementing service fees across
your organization.

Offset the cost of accepting payments to help fund the
programs citizens need the most.

Take advantage of Service Fees across multiple payment types Online In-person Recurring

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Compared to other Fee Programs
Credit Card Surcharge Fees
• Fee applied to credit cards only
• Requires point-of-sale and point-of-entry signage
• Calculated as a percentage of final total, not to exceed 4% Convenience Fees
• No business type restrictions but cannot be charged by a solely online merchant
• Charged on all card-not-present payment platforms,
offered as an alternative to a standard method of payment • Fixed amount
• Must be disclosed clearly to the cardholder prior to
completion of the transaction
The fine print
• While no signage is required, the service fee must be clearly disclosed as a fee charged by the government authority or educational institution to the cardholder. The disclosure must occur prior to completion of the transaction and allow the cardholder the opportunity to cancel
• The fee must be reflected on receipts
• The service fee can only be applied after all other discounts or rebates have been applied to the transaction
• It cannot be applied in conjunction with any other fee program • Visa is the only card brand that requires registration, or intent to apply service fees, prior to program implementation
Let us help you fund the important programs
When working through budgets defined by grants and/or government funding, controlling costs can be a critical part of keeping vital areas properly funded. A Service Fee program provides organizations the ability to offset the costs associated with accepting card payments, allowing money previously allocated for card acceptance to fund parts of the budget that are most important to citizens. Compared to other Fee programs, Service Fee gives the Public Sector industry the flexibility needed to support their specific needs. © 2020 Elavon, Inc. All rights reserved. Elavon is a trademark in the United States and/or other countries. All rights reserved. All features and specifications are subject to change without notice. This document is prepared by Elavon as a service for its customers. The information discussed is general in nature and may not apply to your specific situation. 0920
Supported organizational types*
9211 Court Costs
9311 Taxes
9222 Fines
9399 Misc. Government Services
8211 Elem. and Secondary Schools
8220 Colleges & Universities
8241 Correspondence Schools
8244 Business Schools
8249 Trade Schools
8299 Educational Services
9223 Bail and Bonds
9399 Government Service
9402 Postal Services
*Some restrictions apply based on card brand rules, payment type, business type or payment method.

Page 536 ends

City of Livingston
Request for Proposal
Banking Services
June 16, 2023
Exhibits  PAGE 85
Exhibit 15. TPS Product Development Roadmap
BMO’s TPS Product Development Roadmap can be found on the following pages.

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Treasury & Payment Solutions
Managing your cash should be simple and efficient. At BMO, we are committed to delivering the solutions that take the complexity out of managing your working capital so you can focus on your business.

Here are some of the enhancements we’re planning over the coming year. 2023 TPS product development roadmap
Live within 6 months* In pilot or seeking pilot clients Under development Online
Platforms
BMO Online Banking for Business
homepage personalization
enhancements
Push notifications and alerts
Two-step verification for administrators
Live Chat
FISPAN ERP Adapter
Self-serve onboarding capabilities
Self-serve onboarding capabilities
Online Banking for Business Light
Payables
Management
Real-Time Payments send transaction
limit increase
Payments with Zelle® transaction limit
increase
Comprehensive Payables ISO 20022
wires enhancement
eFX
Payments with Zelle® enhancements
Payment APIs
Additional Positive Pay alert
Receivables
Management Mobile DepositEdge® Mobile DepositEdge
Deposit &
Liquidity
Management
Digital Banking Suite
Virtual Account Management
Notice Deposits
Pay Credit Interest over Maximum Tier
Environmental, Social and Governance
(ESG) deposit solution
Cashflow forecasting
Contractual Term Deposit
Safekeeping enhancements
Corporate
Card
Extend for BMO
Corporate Card redesign
Fraud alerts enhancement
V-PAYO
Sustainable card options
V-PAYO
Online PIN setup
Continued

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Treasury & Payment Solutions
Details on what we’re planning.

Online Platforms—BMO Online Banking for Business
Homepage personalization enhancements. Introduction of
new widgets such as cash position, invoicing, fraud, Foreign Exchange (FX), self-service and persona-based landing page based on user role.

Push notifications and alerts. Ability to register for alerts and push notifications on the BMO Online Banking for Business mobile app.

Two-step verification for administrators. Introducing
additional two-step verification requirements across Online Banking for Business, including One-Time Passcode via SMS.

Live Chat. Virtual conversational tool for FAQs supported by live agents through digital chat via your secure Online Banking for Business session.

FISPAN ERP Adapter. View real-time account and balance
information, send wire and low value domestic payments, and automatically reconcile your transactions without leaving your ERP system.

Self-serve onboarding capabilities. Eliminate manual
interventions, touchpoints, and paper fulfillment to accelerate and simplify various product onboardings and deposit
account openings.

Light. New platform offering a simple homepage, navigation, payments and various resources to help you manage your business.

Payables Management
Real-Time Payments send transaction limit increase.

The per-transaction dollar limit will be increased to $1,000,000.

Payments with Zelle® transaction limit increase.

The per-transaction dollar limit will be increased to $100,000.

Comprehensive Payables ISO 20022 wires enhancement.

Introducing FX capabilities for ISO 20022 wire payments. eFX. New streamlined FX capabilities and enhanced
experience making it easier for you to use and improve your operational efficiency.

Payments with Zelle® enhancements. Ability to initiate bulk debits and view payment cancellation and recipient status.

Payment APIs. Launch of several payment APIs including
Interac®, ACH, EFT, wires and Zelle®.

Additional Positive Pay alert. Addition of a second email alert for check positive pay exceptions that are pending a decision at 1 p.m. CT.

Receivables Management
Mobile DepositEdge. Addition of mobile capabilities that allows you to take pictures of checks for deposit via mobile devices.

Deposit & Liquidity Management
Digital Banking Suite. Bundle of products and services for straightforward needs with respect to daily banking, cash management services, and an openness to digital banking.

Virtual Account Management. Cash management solution
that enables self-serve account management, improved
account reporting and enhanced reconciliation and liquidity.

Notice Deposits. A non-maturity account that offers higher returns on core, reserve and strategic cash. Advance notice required prior to withdrawals with notice period options to align with your liquidity needs.

Pay Credit Interest over Maximum Tier. Ability to earn a flat rate on balances that exceed your maximum tier.

Environmental, Social and Governance (ESG) deposit
solutions. Place balances in a deposit account to reward account holders who progress towards Sustainable
(Environmental, Social and Governance) performance targets.

Cashflow forecasting. AI/machine-learning technology to forecast liquidity requirements for annual cost savings.

Contractual Term Deposit. Addition of a product combining the features of a locked in term and associated rate, with capability to withdraw funds.

Safekeeping enhancements. Tracking securities income for repurchase agreements.

Continued

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Treasury & Payment Solutions
*As of January 31, 2023
The information contained in this presentation is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. It reflects future products and services currently under consideration or development at BMO Financial Group. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of the presentation and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Bank of Montreal or any of its affiliates. Bank of Montreal does not warrant the accuracy, completeness, quality, adequacy or content of any information in this presentation nor does it make any warranty as to the results that may be obtained from the use of this presentation. All product and service features are subject to change at any time without notice.

Banking products are subject to approval and are provided in Canada by Bank of Montreal, a CDIC member and in the United States by BMO Harris Bank N.A. Member FDIC.

Zelle® and the Zelle marks used herein are trademarks of Early Warning Services, LLC.

DepositEdge® is a trademark of BMO Financial Group.

Interac® and Interac e-Transfer® are registered trademarks of Interac Inc. Used under licence. © 2023 Bank of Montreal (3/23) © 2023 BMO Harris Bank N.A. (3/23) Corporate Card
Extend for BMO. Self-serve feature to create and send virtual cards from an existing card program with the ability to integrate to an API and/or Mobile Wallet.

Corporate Cards redesign. Launching new card designs for our Corporate Cards.

Fraud alert enhancements. Simplify fraud alerts to allow for timely alerts of suspicious transactions and management of cards.

V-PAYO. Ability to integrate payments to suppliers with virtual card and other payment types on a single file.

Sustainable card options. Giving you the option to leverage eco-friendly card options for your cards.

Online PIN setup. Ability for cardholders to set their PIN for the first time as part of the online activation process.

Details on what we’re planning.

To learn more
Contact your BMO Treasury & Payment Solutions Consultant.

Let’s connect
bmo.com

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Page 541 ends

Banking Services
A Proposal to the
City of Livingston
Sukhraj Singh
Customer Service Manager
Debbie Manrique
Assistant Vice President, Business Banking Officer
Livingston Branch
640 Main Street, Livingston, California 95334
Telephone
(209) 394-8422
Fax
(209) 394-8437
Your Community Banker™
Member FDIC

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A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON
Table of Contents

1. Organization and Experience

2. Scope of Services

3. Sample Contracts

4. Sample Reports

5. Latest Actual Reports

6. Minimum Insurance Requirements

7. Implementation Plan

8. References

9. Fees

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1 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Introduction
Westamerica Bank, an FDIC member bank, is pleased to have this opportunity to submit a proposal for banking services to the City of Livingston. The enclosed proposal addresses selected financial services in response to the City of Livingston's Request for Banking Services.

Westamerica Bancorporation
Westamerica Bancorporation is a bank holding company with combined assets of over $7 billion.

Westamerica Bank benefits from the strong financial backing of our holding company. The philosophy of the corporation stresses a commitment to community banking which includes an emphasis on local management and local decision makers.

Westamerica Bank meets all of the qualifying requirements for providing commercial banking services to the City of Livingston. Westamerica Bank is a State of California chartered financial institution. We are a member of the Federal Reserve System and have access to all services. We are a qualified depository for public funds. Our current portfolio contains 263 separate public agencies with deposits of $535 million. The Investment Department of Westamerica Bank directly manages collateralized public funds with primary holdings in corporate securities, municipal bonds, agency mortgage backed securities, and a variety of other short term options. The full blend of investment options are stated in our Annual and Quarterly earnings reports. Required reporting is provided to the State Treasurer's Office on a quarterly basis.

Westamerica Bank
Westamerica Bank is a regional community bank with 77 branches and 2 trust offices serving Northern and Central California. In the early 1980s, the holding company brought its banks together under the Westamerica name, with one board of directors and one president. Our senior management team has been a steady force, attesting to our clear, consistent direction and long-term stability.

Westamerica Bank has a total of 711 employees and a dedicated staff ready to serve at our Livingston branch.

Your relationship will be domiciled at our Livingston branch.

Bank Liaison Officers
Primary Contact: Sukhraj Singh, Customer Service Manager Secondary Contact: Debbie Manrique, AVP, Business Banking Officer Address: 640 Main Street, Livingston, California, 95334 Telephone: (209) 394-8422
Fax: (209) 394-8437
Thank you for your consideration of our proposal.

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June 13, 2023
Westamerica Bank
Collateralization of Public Funds
By law, all public funds must be secured by investment grade securities at the rate of 110% deposits to current market value of pledged securities. The Bank of New York Mellon holds investment securities pledged by Westamerica Bank in trust. The State Banking Department monitors our public deposits to ensure that pledged collateral exceeds 110% of deposits. In addition, they review our pledged securities for suitability quarterly.

The Investment Department verifies adequate collateral on a weekly basis, by comparing total public funds deposits (times 110%) against current market value of pledged securities. As of March 31, 2023, Westamerica Bank had pledged collateral with an approximate market value of $671,410,550.71 versus public funds deposits (times 110%) of $610,255,047.03.

If you wish to verify Westamerica Bank's excess collateral to public deposits, please contact the Administrator of Local Agency at One Sansome Street, Suite 600, San Francisco, CA 94104.

If you have any questions regarding this matter, please contact me at (707) 863-6844.

Marie Muldong
Investment Operations

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3 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Corporate Contributions
At Westamerica, we pride ourselves in investing a portion of earned income back into the communities we serve. One of the ways we do this is through contributions to locally based nonprofit organizations providing programs or services in the following areas: health and human services, education, the arts, and civic affairs.

CRA Activity
For over a decade, Westamerica Bank has offered Financial Literacy courses in the community and local schools. Staff from our Livingston Branch are eager to continue with this valuable resource.

Westamerica is proud to have supported our communities through the following types of worthy programs:
• Art therapy and theater programs for homeless children and disabled • Basic budgeting classes with schools and nonprofits serving low-income and re-entering clients • Bowling fundraiser for Big Brothers/Big Sisters
• Business and education alliances
• Economic development support
• Elder abuse prevention programs
• Employee supported walks for a variety of causes
• Food drives and food distribution
• Home buyer assistance
• Literacy coalitions and programs
• Meal delivery to home-bound and HIV/AIDS patients
• Multi-cultural programs
• Self-sufficiency projects
• Senior programs
• Shelters for homeless
• Summer programs for low-income children
• Volunteer centers
• Women's re-entry programs
• Youth-at-risk after school programs
• Youth-at-risk entrepreneur program
• Youth leadership programs
Mission Statement
As one of the leading financial institutions in the Northern and Central California areas, Westamerica Bancorporation recognizes its responsibility not only to provide the highest quality banking services to the citizens of our communities, but also to improve the quality of life of the communities we serve.

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4 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON CRA Rating and Other Community Involvement
Westamerica Bank received a "Satisfactory" CRA Rating from the Federal Deposit Insurance Corporation (FDIC) effective January 11, 2010. The Bank offers a full range of products and services. The majority of the lending activity is in two products: business loans to medium and small businesses and purchasing motor vehicle contracts. The Bank originates community development loans that are responsive to community needs including affordable housing, economic development and stabilizing and/or revitalizing economically distressed communities. Westamerica provides financing to nonprofit entities that provide vital services such as education, affordable housing and medical services, job training and employment opportunities; and financing to schools for programs and classrooms that primarily serve economically disadvantaged students.

Westamerica purchases investments that are responsive to the diverse needs of the communities served by the Bank, such as low-income housing tax credits, municipal bonds that focus on helping to rebuild infrastructure, and mortgage-backed securities comprised of loans made to low and moderate-income families. The Bank makes contributions to a wide variety of organizations that help those who have the greatest need.

Bank services are tailored to meet the needs of the communities served by the Bank. Employees serve on community organization boards and committees. Westamerica employees provide financial education for adults and youth including basic budgeting/financial literacy classes and seminars to promote identity theft awareness and financial abuse awareness. The Bank's Senior Guard seminars are designed to assist elders in making sound financial decisions, safeguarding their assets, and to provide resources to prevent victimization from financial abuse.

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5 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Branch and ATM Network

WES T AMERI C A

BRA N C H NE T W OR K
Alameda County
Pleasanton
Contra Costa County
Concord
Martinez
Walnut Creek
Fresno County
Clovis
Firebaugh
Fresno (5)
Huron
Kerman
Kingsburg
Sanger
Kern County
Bakerseld
Lake Isabella
Shafter
Taft
Kings County
Hanford
Lake County
Clearlake
Kelseyville
Lakeport
Middletown
Madera County
Madera
Marin County
Larkspur
Mill Valley (2)
Novato (2)
San Anselmo
San Rafael (3)
Sausalito
Mariposa County
Mariposa
Mendocino County
Gualala
Ukiah
Merced County
Atwater
Napa County
American Canyon
Calistoga
Napa (2)
St. Helena
Yountville
Nevada County
Grass Valley
Penn Valley
Sacramento County
Rancho Cordova
Sacramento (2)
San Francisco County
San Francisco
Solano County
Benicia
Faireld
Vacaville
Vallejo
Sonoma County
Glen Ellen
Guerneville
Healdsburg
Petaluma
Rohnert Park
Santa Rosa (2)
Sebastopol
Sonoma
Stanislaus County
Ceres
Modesto (2)
Turlock
Tulare County
Tulare
Visalia
Tuolumne County
Sonora
Customer Service
Toll-free 1-800-848-1088
Equal Opportunity Employer
www.westamerica.com
1-800-848-1088
Member FDIC
A165 (REV. 8/22)

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6 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Branch and ATM Locations
Alameda County
Pleasanton – 5700 Stoneridge Mall Rd., Ste. 110, (925) 734-1510 Contra Costa County
Brentwood – Los Medanos College, 1351 Pioneer Square (ATM Only) Concord – 1333 Willow Pass Rd., Ste. 100, (925) 688-0808 Martinez – 590 Center Ave., (925) 335-3060
Pittsburg – Los Medanos College, 2700 East Leland Rd. (ATM Only) Pleasant Hill – Diablo Valley College, 321 Golf Club Rd. (ATM Only) San Pablo – Contra Costa College, 2600 Mission Bell Dr. (ATM Only) Walnut Creek - 1676 N. California Blvd., Ste. P-120, (925) 287-4670 Fresno County
Clovis – 536 Shaw Ave., (559) 297-5940
Firebaugh – 1312 P St., (559) 659-6050
Fresno – 5751 S. Elm Ave., (559) 266-5356
7032 N. First St., (559) 437-5870
1172 E. Shaw Ave., (559) 243-4370
2150 W. Shaw Ave., (559) 437-4914
2440 Tulare St., Ste. 110, (559) 495-4150
Huron – 36582 Dinero Way, (559) 945-5077
Kerman – 306 S. Madera Ave., (559) 846-7333
Kingsburg – 1400 Draper St., (559) 897-6490
Sanger – 1500 7th St., (559) 875-1941
Kern County
Bakersfield – 2130 Chester Ave., #100, (661) 864-4900
Lake Isabella – 6100 Lake Isabella Blvd., (760) 379-2691 Shafter – 600 James St., (661) 746-8080
Taft – 811 Center St., (661) 765-7115
Kings County
Hanford – 890 W. Lacey Blvd., (559) 585-6683
Lake County
Clearlake – 15342 Lakeshore Dr., (707) 995-4140
Kelseyville – 4025 Main St., (707) 279-6850
Lakeport – 650 North Main St., Ste. A, (707) 262-5714
Middletown – 21058 Calistoga Rd., (707) 987-8650
18983 Hartmann Rd. (ATM only)
Madera County
Madera – 401 W. Yosemite Ave., (559) 675-5258
Marin County
Larkspur – 1115 Magnolia Ave., (415) 464-3600
Mill Valley – 64 East Blithedale Ave., (415) 389-4710
750 Redwood Hwy., Frontage Rd., Ste. 1222, (415) 389-4800 Novato – 7333 Redwood Blvd., (415) 898-2003
300 Ignacio Blvd., (415) 883-0180
San Anselmo – 834 Sir Francis Drake Blvd., (415) 721-1169 San Rafael – 1108 Fifth Ave., (415) 257-8057
1177 E. Francisco Blvd., (415) 256-5444
One Mitchell Blvd., (415) 491-5930
Sausalito – One Harbor Dr., (415) 289-0200
Mariposa County
El Portal – 11134 Highway 140 (ATM Only)
Mariposa – 5121 Highway 140, (209) 966-7561
Mendocino County
Gualala – 39225 Highway 1 South, (707) 884-5250
Ukiah – 325 East Perkins St., (707) 463-3800
Merced County
Atwater – 735 Bellevue Rd., (209) 357-5220
Dos Palos – 1507 Center St., (209) 392-2300
Hilmar – 8019 N. Lander Ave., (209) 668-5440
Livingston – 640 Main St., (209) 394-8422
Los Banos – 953 W. Pacheco Blvd., (209) 826-7760
Merced – 605 W. 18th St., (209) 384-6880
490 W. Olive Ave., (209) 383-8520
Napa County
American Canyon – 3421 Broadway, Ste. E2, (707) 558-1166 Calistoga – 1110 Washington St., (707) 942-7400
Napa – 1507 West Imola Avenue, (707) 258-3120
One Financial Plaza, (707) 255-8301
St. Helena – 1000 Adams St., (707) 968-3535
Yountville – 6470 Washington St., (707) 944-4422
Nevada County
Grass Valley – 375 Brunswick Rd., (530) 477-4040
Penn Valley – 11240 Pleasant Valley Rd., (530) 432-7470 Sacramento County
Rancho Cordova – 2893 Sunrise Blvd., Ste. 106, (916) 852-6954 Sacramento – 1610 Arden Way, Ste. 199, (916) 648-6580
300 Capitol Mall, #150, (916) 449-8300
San Francisco County
San Francisco – 343 Sansome Street, Suite 520, (415) 217-5670 Solano County
Benicia – 20 Solano Square, (707) 747-3480
Fairfield – 2400 Hilborn Rd., (707) 429-7450
Vacaville – 138 Peabody Rd., (707) 451-6980
Vallejo – 1660 Tennessee St., (707) 558-1100
Sonoma County
Forestville – 6550 Front St. (ATM Only)
Glen Ellen – 13751 Arnold Dr., (707) 935-4160
Guerneville – 16265 Main St., (707) 869-0665
Healdsburg – 511 Healdsburg Ave., (707) 473-4390
Petaluma – 203 S. McDowell Blvd., (707) 766-7880
Rohnert Park – 300 Rohnert Park Expwy., (707) 586-3110
Santa Rosa – 2498 Guerneville Rd., (707) 576-3694
111 Santa Rosa Ave., (707) 576-3600
Sebastopol – 105 N. Main St., (707) 823-7841
Sonoma – 202 W. Napa Street, (707) 935-3200
Stanislaus County
Ceres – 1788 Mitchell Rd., Ste. 104, (209) 556-1120
Modesto – 901 North Carpenter Road, (209) 572-8581
1524 McHenry Ave., (209) 572-8580
Turlock – 2891 Geer Rd., (209) 664-1390
Tulare County
Tulare – 1917 Hillman St., (559) 687-3100
Visalia – 800 W. Main St., (559) 738-7868
Tuolumne County
Sonora – 1311-A Sanguinetti Rd., (209) 536-1000
Your Community Banker™
For further information, please contact your local Westamerica Community Banker, visit us online at www.westamerica.com, or call Customer Service at 1-800-848-1088, toll-free, 5:00 a.m. to midnight, seven days a week. Hearing impaired customers may use TDDs to contact us at 1-800-TDD-1088, toll-free, 5:00 a.m. to midnight, seven days a week.

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7 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Bank and Staff Profile
Key Personnel
Sukhraj Singh, Customer Service Manager
Sukhraj is the Customer Service Manager for Westamerica Bank's Livingston branch. He has been with Westamerica Bank for over 13 years and has been in the banking industry for 17 years. Sukhraj enjoys working day to day with business and consumer clients to service their financial needs. He also has numerous years of experience working with the City of Livingston. Westamerica Bank recognized Sukhraj as a Star Performer in 2022. Sukhraj previously served on the board for Livingston Sports Club and Livingston Community Health. Sukhraj has been a member of the Livingston community for over 35 years.

Debbie Manrique, Assistant Vice President, Business Banking Officer Debbie has been with Westamerica Bank for over 30 years and in the financial service industry for over 41 years. Debbie has expertise in servicing and enhancing high valued banking relationships. As the Business Banking Officer of the Turlock and Livingston offices, Debbie manages and supports Westamerica Bank's business clientele on a daily basis. She has been involved in several charitable events for Salvation Army Kids Day, San Joaquin Teen Challenge and Festival of Trees Benefiting Jessica's House and Covenant Care Hospice.

Kesi Williams, Product Support Specialist
Kesi has proven to be a reliable and valued part of our Sales Support team since she joined the company in 2022. Kesi has gained vast knowledge of business solutions throughout her career in the banking industry over the last six years. Kesi works out of our corporate office located in Fairfield, California. The territories she supports are Greater Sacramento, Marin, and Modesto Regions. Her primary responsibilities with Westamerica Bank are to assist business clients with the implementation and continued support for Treasury Management services.

Brandon Murane, Vice President/Regional Service Manager Brandon has been with Westamerica Bank for over eight years and is the Regional Service Manager for branches in the Merced, Modesto and Sacramento Regions since 2016. He has over 20 years in the banking industry with extensive experience working with complex account relationships including support to numerous municipal agencies in the area. Brandon would provide support to the Livingston Branch in all matters pertaining to the account relationship for the City. The City would also have direct contact capabilities if direct support is needed.

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8 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Bank and Staff Profile (continued)
Stephanie Dimberg, AVP/Regional Customer Service Manager Stephanie has been with Westamerica Bank for over 16 years and is the Regional Customer Service Manager for branches in the Merced and Modesto Regions. She has been in the banking and finance industry over 25 years. She has experience in all levels of account management, relationship banking, municipalities and business banking. As a Regional Manager, Stephanie currently supports the Livingston branch on a daily basis. This same support would be available to the City of Livingston as needed.

Jeff Ault, Regional Vice President/Regional Market Manager Jeff has over 28 years of experience in Commercial Lending, Deposit Service and Investments.

For the past five years he has worked for Westamerica Bank, specializing in commercial lending and commercial deposit management. He is responsible for support to business lending across 33 branches, covering eight counties in Central California. Jeff leads a team of experienced commercial Business Banking Officers and would be an additional support to the City regarding our municipal lending options.

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9 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Rating Agencies
Westamerica Receives Positive Ratings
Independent bank rating agencies have consistently reaffirmed their positive ratings of Westamerica Bank and Westamerica Bancorporation, including:
■ Findley Reports: 2022 "Super Premier" Performing Bank ■ Bauer Financial: Bank Rating of 4 Stars (Excellent)
■ Morningstar: Rating of 3 Stars or Better
■ Nasdaq: US Broad Dividend Achievers Index Performer
Westamerica Bancorporation’s stock trades on the NASDAQ under the symbol “WABC”.

Westamerica’s exemplary financial performance and business success has prompted positive analyst reports from investment banking firms located in San Francisco and New York City.

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10 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Financial Results
Financial Performance
Today, with $7.1 billion in assets and 77 branches in Northern and Central California, Westamerica Bancorporation is among the largest independent banking companies headquartered in California and one of the most stable and prosperous community banks in the nation. By continuing to combine high loan quality, operating cost controls and checking and savings deposit growth with improved technological efficiency and highly responsive customer service, we believe Westamerica will continue to be successful in the years to come. ■ Net income for the first quarter in 2023 was $40.5 million and $22.6 million for the first quarter of 2022.
■ Return on Assets (ROA) was 2.31% for the first quarter of 2023; for the first quarter of year 2022, ROA was 1.24%. ROA is an indicator of how profitable a bank is relative to its total assets. The ROA for our peers is approximately 1.18%. ■ Return on Equity (ROE) was 19.1% for the first quarter of 2023; for the first quarter of year 2022, ROE was 11.8%. ROE is the amount of the net income returned as a percentage of shareholders’ equity. ROE measures a corporation’s profitability by revealing how much profit a company generates with the money shareholders have invested. The ROE for our peers is approximately 12.94%.

Historical Milestones
■ 1884 – First National Bank of Mendocino County (California) was founded. ■ 1973 – First National Bank of Mendocino County, Bank of Marin, and Bank of Sonoma County form Independent Bankshares Corporation.
■ 1983 – Westamerica Bank forms through merger of six banks, including VacaValley Bank and Gold Country Bank.
■ 1992-1995 – Through growth and acquisition of John Muir National Bank, Napa Valley Bancorp (Napa Valley Bank and Bank of Lake County), PV Financial (Pacific Valley Bank), Capitol Bank Sacramento, North Bay Bancorporation (Novato National Bank), plus two branches of Bank of America, Westamerica grows to 57 branches. ■ 1996 – Westamerica builds consolidated administrative and service center in Solano County. ■ 1997 – ValliWide Bank merges into Westamerica Bank.
■ 2000 – First Counties Bank merges into Westamerica Bank. ■ 2002 – Kerman State Bank merges into Westamerica Bank. ■ 2005 – National Bank of the Redwoods merges into Westamerica Bank. ■ 2009 – Westamerica Bank acquires failed County Bank from the FDIC. ■ 2010 – Westamerica Bank acquires failed Sonoma Valley Bank from the FDIC.

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11 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Overview of Account Services
You’ll find that Westamerica Bank can meet your business banking needs better than the “big banks” can. We’re small enough to be flexible, yet we have the technical expertise to design a banking system just for you. Plus, Westamerica Bank has the range of services you can count on.

Account Reconciliation
Streamline your accounting with computer-generated reports of paid and outstanding checks.

With daily, weekly, or monthly reports, you can update your internal records and produce current financial reports according to your business needs.

Association Management
A unique banking service designed for property management and homeowner associations that routinely collect payments for services such as rents, dues, fees, or utility charges. We capture your accounts receivable and provide you with updated information. You save the time spent on payment processing and manual updating of records, while reducing the float on deposits.

Cash Vault
Deposits and change orders are transported by armored carrier. Your transactions are processed in a controlled environment, and your business operations will be uninterrupted.

Commercial DVD Image Statements
You can receive a commercial DVD containing images of statements, deposits, checks deposited and cleared checks, plus the software to sort, locate, and read items at the touch of a button. You can even export data to other software. Your business saves time and eliminates the need to store canceled checks.

Concentration and Zero Balance Account
Each night, Westamerica will automatically move funds in or out of your concentration account to your zero balance account(s) to concentrate excess funds or cover debits. This service simplifies your cash management while allowing you to maintain separate accounts for different purposes, such as for payroll funds, subsidiaries, or operating expenses.

Courier and Armored Car Pick-up and Delivery
Westamerica will make scheduled pick-ups and deliveries to fit your needs. We are flexible about arranging special courier runs when necessary, subject to regional availability.

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12 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Overview of Account Services (continued)
Credit Cards
Our Visa Business Credit Card products are specifically tailored to provide worldwide acceptance, flexible spending limits and billing options, and cardmember benefits. They can help you control spending, manage cash flow, and enjoy rewards.

Internet Banking and Bill Payment
StarConnect PlusTM for sole proprietors and individuals puts you in control of your accounts anytime, anyplace. With your computer and an internet connection, you can perform most banking functions and pay your bills at your convenience. You can export data to your financial management software for maximum efficiency.

Electronic Banking and Cash Management
Bank from your office anytime with Onsite Banker Plus, our full-featured banking and cash management program. Updated account information helps you improve cash flow and better understand your cash position while streamlining tasks like account reconcilement, reporting, and monitoring. Export files to share information with your accounting software.

Electronic Collections and Deposits
Our Direct Payment Service is a PC-based system that enables you to originate Automated Clearing House (ACH) transactions to or from accounts at any bank. Automatically withdraw payments from your clients, or generate credits to pay employees or other recipients by Direct Deposit. Users of this system who access ACH/Tax Module and Wire Transfers can enhance the security of these online transactions with StarID security tokens. StarID security tokens add another level of authentication security to transaction initiation and approval processes.

Electronic Tax Payments
Sign up for RemitONE, our electronic tax payment program that lets you remit federal, state, and local taxes via telephone or Internet. It's secure, reliable, and confidential. eStatements
eStatements are the secure electronic form of your checking or savings account statement and your cleared checks. You'll enjoy the speed and security of eStatements – you no longer have to wait for mail delivery or have concerns about your account information sitting in your mailbox. Your unique Login ID and password ensure confidentiality. Sign up, and we’ll notify you via e-mail each time your eStatement is ready. Then at your convenience, simply log into a secure site to view your statement and check images.

ExpressDeposit – Remote Deposit Capture
Enjoy the flexibility to make unlimited deposits to your Westamerica account without leaving your office. ExpressDeposit gives you the flexibility to manage your business on your schedule, enjoy later deposit deadlines and take advantage of earlier funds availability.

Lockbox
Let us process your incoming invoices according to your specifications. Our lockbox service speeds collection of your accounts receivable, reduces your processing float, and frees your staff for other duties.

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13 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Overview of Account Services (continued)
Merchant Card Services
Westamerica Bank offers complete support for processing credit and ATM/check card transactions.

Services include authorization, data capture and processing, electronic check capture, terminal purchase and management, and client support. For Visa, MasterCard, Diner’s Club, American Express, and other cards.

Night Depository
This secure, convenient service lets you make deposits anytime. We process your deposits in dual custody, and even provide special deposit bags at no charge.

Payroll Services
We will establish a Zero Balance Account for your payroll account and will work with your payroll providers to offer direct deposit and other services. Westamerica’s payroll specialists can provide payment of payroll through your chosen payroll provider or our customized payroll computer system.

Positive Pay
Our PC-based Positive Pay service helps with the detection of altered or misencoded amounts on the checks you issue. Discrepancies can be detected daily, not just once a month when you’re balancing your bank statement.

Positive Pay for ACH
With Westamerica Bank's ACH Positive Pay service, unauthorized ACH items are captured and are available for immediate review, not weeks later when you are balancing your statement. ACH Positive Pay is a very effective tool to help protect your company from fraud.

Safe Deposit
To protect important documents, records, computer tapes, and valuables, Westamerica Bank offers safe deposit boxes. Pricing varies based on size of box and may be charged through Account Analysis.

Toll-Free Phone Number for Superior Customer Service
There is no charge for unlimited calls, seven days a week, 24 hours a day. We feature an automated inquiry system, plus you always have the option of speaking with a customer service representative if you have questions or need more detailed information between the hours of 5:00 a.m. and midnight.

Wire Transfers
Westamerica Bank maintains its own Wire Transfer Department and receives and transmits domestic and foreign wires through the Federal Reserve Bank. In addition, we have several correspondent banks for foreign wire requirements. Recurring wires may be set up and authorized in advance.

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14 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Business Checking Accounts
Westamerica Bank’s wide range of business checking and savings products give you the flexibility and features your business needs. We know every business is unique... that’s why with every business account at Westamerica you get your own Community Banker, plus access to knowledgeable Customer Service Representatives.

Account Analysis
This checking account offers detailed processing and financial tracking for businesses that have more complex cash management needs and demand a wealth of banking services. Your Community Banker will show you how your earnings allowance on account balances may offset or eliminate fees for other services.

The Account Analysis Plan ("Plan") allows bank customers to reduce or eliminate fees and charges imposed in connection with eligible accounts. Customers with eligible accounts in the Plan obtain an "earnings credit" based on the collected balances in the eligible account or accounts, which may offset part or all of the fees and charges for services used.

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15 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Collected Balances and Earnings Allowance
For maintaining positive collected balances, you are credited with an Earnings Allowance.

To calculate your Earnings Allowance, the Bank first calculates the Average Ledger Balance for your Account. This is done by taking the ledger balance for your account for the end of each day during the billing period, adding these balances together, and dividing the balances by the number of days in the billing period. For weekends and holidays included in the billing period, the prior business day's ending ledger balance is used in the calculation.

The Bank next calculates the "Average Float" for the account. This figure is the portion of the Average Ledger Balance which was not immediately available to the Bank due to checks or other items deposited in the eligible account being in the process of collection. To determine this Average Float, the Bank calculates the float for each "item" (check or other item deposited to the account) by multiplying the dollar amount of that item by the number of days between the time the item is posted to the account and the time that funds become available to the Bank through the check clearing process. The float for all items is then added together and divided by the number of days in the billing period to arrive at the Average Float.

By subtracting the Average Float from the Average Ledger Balance, the Bank arrives at the Average Positive Collected Balance. Using the Average Positive Collected Balance, the Bank calculates the "Legal Reserve." The Legal Reserve is the amount of funds that the Bank is required to maintain on deposit at the Federal Reserve Bank to meet its reserve requirements with respect to the Average Positive Collected Balance. This amount is calculated by multiplying the Average Positive Collected Balance by a factor equal to the highest reserve percentage required for transaction accounts (currently 10%). When the Legal Reserve is subtracted from the Average Positive Collected Balance, the Bank has the Investable Balance.

Whenever the Investable Balance is a positive figure, you will be given an Earnings Credit to offset all or part of the price of services charged to your account during the period. The amount of the Earnings Credit is calculated by multiplying the Investable Balance by the Earnings Credit Rate and by the number of days in the analysis period, and then dividing the result by 365/366. The Earnings Allowance Rate is currently .30. The rate may change without prior notification.

The Bank will calculate a Negative Collected Balance Fee for the days that your collected balance is less than $0. The Negative Collected Balance Fee will be calculated by multiplying the average collected balance for those days by a negative earnings allowance rate and by the number of days in the analysis period, then dividing the result by 365 or 366. The negative earnings allowance rate is the Bank's Index Rate plus a spread. The Bank's Index Rate is a rate established by the Bank in its discretion based on its costs and other factors, and may change from time-to-time without prior notification. See Calculations, next page.

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16 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Collected Balances and Earnings Allowance (continued)
The following formulas are used in the Bank's calculations:

Average Ledger Balance:

Total End-of-Day Ledger Balances for Period
Calendar Days in Period
Average Float:

Total Float for Each Item Deposited During Period
Calendar Days in Period
Average Collected Balance:

Average Ledger Balance – Average Float
Average Positive Collected Balance:

Total End-of-Day Positive Collected Balances for Period Number of Days in Period
Legal Reserve:

Average Positive Collected Balance x Reserve Rate (%)
Investable Balance:

Average Positive Collected Balance – Legal Reserve
Earnings Credit:

Investable Balance x Earnings Credit Rate x Days in the Period Number of Calendar Days in Year
Average Negative Collected Balance:

Total End-of-Day Negative Collected Balances for Period Number of Days in Period
Negative Collected Balance Fee:

Average Negative Collected Balance x Negative Earnings Rate x Days in the Period Number of Calendar Days in Year

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17 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Deposit Insurance and Float
Deposit Insurance
Deposit insurance charges are computed by multiplying the monthly Average Ledger Balance by a monthly factor which is the current premium set by the FDIC.

Your Ability to Withdraw Funds
Electronic direct deposits and wire transfers will be available on the day we receive the deposit. Our policy is to make funds from most of your other deposits available to you on the first business day after the day we receive your deposit. At that time, we will use the funds to pay checks that you have written. Also at that time, you can withdraw the funds in cash up to the available amount.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If your deposit is received in the branch before its cut-off time, which will be between 4:00 p.m. and 6:00 p.m. depending on the branch location and the day of the week (business hours are posted in every branch), or if the deposit is made at one of our ATMs before 3:00 p.m., and the deposit is received on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after these times or on a day we are not open, we will consider the deposit made on the next business day we are open.

Longer Delays May Apply
In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Funds may not be available until the fifth business day after the day of your deposit, depending on the type of check that you deposit. In those cases, the first $200 of your deposit will be available on the first business day.

Notification
If all of the funds from your deposit are not available on the first business day after the day we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take action after you have left the premises, we will mail you the notice no later than the day after we receive your deposit.

Float Availability Schedule
We use the industry standard availability schedule from the FED.

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18 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Deposit Insurance and Float (continued)
Overdrafts
We impose a $35 per item overdraft fee when we pay an item presented against insufficient funds in your account and our payment creates an overdraft. For analyzed accounts, there is no maximum number of fees charged per day. Branch will provide notification for items drawn on the City accounts when a potential overdraft will occur.

Returned Item Processing
Westamerica Bank will redeposit incoming returned items twice. We will notify you of returned items via email. The original returned item will be mailed the same day checks are debited.

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19 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Account Reconcilement and Positive Pay
Westamerica Bank offers both full Account Reconcilement and Positive Pay with data transmission.

Both services are computer based programs that allow the City to transmit to the bank the check issue information via e-mail. The check issue information will include the account number, check date, serial number and dollar amount. For Positive Pay, the check issue information is compared to the check paid information on a daily basis. Any discrepancies for serial number or dollar amount will be reported to the City for determination of validity and approval to "pay or return" the item.

PC Banking Account Reconcilement
Account transaction data can be viewed and sorted for quick, convenient access through our Electronic banking service, Onsite Banker Plus. A daily transmission of cleared checks for the City's General Operating and Payroll accounts can be saved to your network or hard drive in a variety of formats, accessed by drop down menus, to meet your particular needs. Transaction information would be available by 8:00 a.m. each day.

PC Banking Positive Pay
Positive Pay is an automated fraud detection tool offered by the Onsite Banker Plus Cash Management system. In its simplest form, it is a service that matches the date, check number, and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the City. All three components of the check must match exactly or it will create an exception.

Positive Pay requires the City to send (transmitted through Onsite Banker Plus) a file of issued checks to the bank each day checks are written. When those issued checks are presented for payment at the bank, they are compared electronically against the list of transmitted checks. The check-issue file sent to the bank contains the check number, account number, issue date, and dollar amount. Payee Positive Pay is also available as an optional service.

When a check is presented that does not have a "match" in the file, it becomes an "exception item." The bank sends a notification that an exception item is pending a pay/return decision. You will review the image and instruct the bank to pay or return the check through Onsite Banker Plus. If there are no pay/return decisions presented before 12:00 p.m., the default will be to pay the item (unless otherwise instructed to change the default to return).

ACH Positive Pay
ACH Positive Pay is an automated program that allows you to select ACH items which are authorized to pay from your account. You simply provide Westamerica with the authorized Company Names, Tax Identification Numbers (TINs) and the last day the Company was paid.

Only the ACH items presented by the Company with the information you provide will pay against your account. Any other ACH item will be reported to you the following morning and will automatically return unless you call us by 12:00 noon Pacific Time and authorize us to pay them.

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20 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Disputed Items
Individuals disputing items received for payments should be referred back to their bank and/or credit card company for resolution.

Westamerica Bank is available to assist the City and claimant with any research or copies required.

The time period allowed for researching this type of claim would be dependent upon the type and institution involved.

Account Reconcilement and Positive Pay (continued)

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21 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Electronic Banking and Cash Management
Onsite Banker Plus Banking and Cash Management
Now more than ever, businesses are trying to improve cash flow, understand their cash position, and obtain accurate and timely information about their bank accounts. Onsite Banker Plus is designed to help you achieve these goals while minimizing the time, effort, and cost of your cash management activities. Onsite Banker Plus gives you the control and security you want, while streamlining tasks like account reconcilement, reporting, and monitoring accounts payable and receivable activities. Account balance alerts can be set up through Onsite Banker. You can even perform banking tasks 24 hours a day.

We will be pleased to make a full presentation and demonstration of the capabilities of Onsite Banker Plus.

Features and Benefits:

Basic Package
Balance Reporting - Better assess your cash and float positions.

Activity Reporting - View posted transactions for better account tracking and security.

Funds Transfer - Move funds between accounts for better cash management.

Reports - Create reports for management needs and easier monitoring.

Account Reconciliation - Review posted transactions and electronically compare information to your register.

Onsite Banker Price Schedule
Basic Package.................................................. $20.00 per month for first two accounts Additional accounts..................................... $5.00 per month per account Per-item Fee.................................................. First 200 items 5¢ each Items 201 - 1,000 4¢ each
Items 1,001+ 3¢ each
Stop Payment................................................... $18 per order Wire Transfer.................................................. Domestic: $25 per item International: $35 per item
Installation, Training or Consulting............... Current hourly rate Positive Pay...................................................... $60 per month per account 5¢ per item

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22 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Direct Deposit of Payroll and Other ACH Services
Direct Deposit of Payroll
The City can continue to provide employees with the option of direct deposit of payroll checks to the institution of their choice. Westamerica Bank provides a DPS (Deposit Payroll Service) product to accomplish this task. Using DPS through Onsite Banker Plus makes it fast and easy. This product offers two options for processing your payroll. If your software creates a NACHA payroll file, you can simply upload that file through our system. You may also input employee information into our system, drop in the net payments, and transmit the data. Direct deposits initiated in error require timely reporting to our Electronic Services Department.

The minimum time to transmit your payroll data to Westamerica Bank is 24 hours before the effective day. Most receiving banks memo post the payroll deposit the next business day. The maximum time to future date your payroll is 15 days.

Onsite Banker ACH Origination
Onsite Banker ACH Origination is an Internet based collection and deposit system that enables you to originate Automated Clearing House transactions to or from accounts at any bank. There are no costly investments for hardware or systems development. Using a PC with a secure Internet connection, simply log in to initiate transactions. On-line help screens will prompt you to proceed through the various menus and functions. Comprehensive security functions with passwords, authorization levels, security tokens and access logs maintain client confidentiality.

ACH Debit Transactions allow you to automatically withdraw payments from your clients.

Your customers will appreciate the convenience, since they will save on postage while avoiding the hassle of returning the payment on time. It’s also convenient for your business, saving processing time, reducing your float, and assuring that payments are received on time. Credit approval is required.

ACH Credit Transactions allow you to pay your employees via Direct Deposit with the touch of a button, giving your employees quick access to their paychecks. Plus, your business saves the time and expense of issuing and reconciling checks. Credit approval is required.

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23 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Electronic Money Transfers
Westamerica Bank provides Wire Transfer Services for our clients. Our Wire Transfer Service is a secure, convenient, and confidential transfer of funds from your account to an account at another bank and guarantees immediate verification of deposit if funds availability deadlines are met.

We also receive deposits for our clients from other banks for immediate credit provided funds availability is met.

Incoming Wires
Funds received by incoming wire transfers are deposited into the specified client's account the same day they are received and are available for immediate credit provided the beneficiary name and account number match the name and account number Westamerica Bank has on file and the account is in an open and active status.

Onsite Banker Plus Wire Initiation
Onsite Banker Plus Wire Initiation is an internet based wire system that allows you to initiate outgoing wires from your Westamerica checking or savings accounts. There are no costly investments for hardware systems development. Using a PC with a secure internet connection, simply log in to Onsite Banker Plus to initiate transactions. Online help screens will prompt you to proceed through the various menus and functions. Comprehensive security functions with passwords, authorization levels, security tokens and access logs maintain client confidentiality.

Outgoing wire transfers are sent through the Federal Reserve Bank during operating hours and are deposited at the destination bank into the specified beneficiary's account. Westamerica will transfer a fixed or determined amount of money to accounts of the beneficiary's maintained at any other bank or financial institution and will debit those account(s) in the amount designated by you.

Outgoing Wires
Outgoing wire transfers are sent through the Federal Reserve Bank during our operating hours and are deposited at the destination bank, either into the specified client's account, or into a third party account. Upon receipt of a request, Westamerica will transfer a fixed or determined amount of money to accounts of the specified client or a third party (beneficiary) maintained at any other bank or financial institution and will debit those account(s) in the amount designated by the client.

Wire Deadlines
Domestic Wires Sent to States: International Wires:

Within the 12th district - 2:00 p.m. Faxed - 2:30 p.m.

Outside the 12th district - 1:30 p.m.

Tax Wires - 1:00 p.m.

Fees
The fee for both Domestic and International wire transfers is charged through Analysis and is included in transactions that qualify for earnings credit.

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24 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Electronic Collections and Deposits
Onsite Banker ACH Origination
Onsite Banker Plus ACH Origination is an internet-based collection and deposit system that enables you to originate Automated Clearing House transactions to or from accounts at any bank.

There are no costly investments for hardware or systems development. Using a PC with an Internet connection, simply log in to initiate transactions. On-line help screens will prompt you to proceed through the various menus and functions. Comprehensive security functions including Star ID security tokens with passwords, authorization levels and access logs maintain client confidentiality.

We will be pleased to make a full presentation and demonstration of the capabilities of our Onsite Banker Plus Direct Payment Service.

ACH Debit Transactions
Automatically withdraw payments from your clients. Your customers will appreciate the convenience, since they will save on postage while avoiding the hassle of returning the payment on time. It’s also convenient for your business, saving processing time, reducing your float, and assuring that payments are received on time. Credit approval is required.

ACH Credit Transactions
Pay your employees via Direct Deposit with the touch of a button! Great for your employees, giving them quick access to their paychecks. Plus, your business saves the time and expense of issuing and reconciling checks.

ACH Debit Block
Specify which of your accounts you want blocked from all ACH debits. No ACH transactions will be authorized from the designated account(s).

Direct Payment Service Price Schedule
Software Fee ................................................... $20.00 per month Transmission/Batch Fee ................................. $8.00 per transmission Per-item Fee ........................................................ First 100 Items: $ 0.25 each ............................................................................ Items 101 - 500: $0.20 each ............................................................................ Items 501 - 1,000: $0.15 each ............................................................................ Items 1,001 +: $0.10 each Returned Item Fee .......................................... $12.00 per item Reversal ........................................................... $15.00 per item Installation, Training or Consulting............... Current hourly rate Other Services................................................. As quoted NOTE: Some or all of these fees may be offset by compensating balances through Account Analysis.

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25 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Electronic Tax Payment
RemitONE Tax Reporting and Payment Service
Today’s business tax laws are becoming more complex, taking more of your time to ensure accuracy and prompt payment. Westamerica is pleased to offer the advantages of RemitONE service which makes paying taxes fast, easy and accurate, and complies with all EFTPS mandates.

Benefits of RemitONE
■ Saves time and eliminates paperwork.
■ Pay taxes anytime via the Internet or touch-tone telephone, or PC. ■ No checks to write or tax forms to complete.
■ No extra trips to the bank.
■ 24-hour service, seven days a week.
■ Written confirmation of tax payment available.

Use RemitONE to Pay:
■ Federal taxes, including 8109/8109B
■ All California payroll withholding taxes
■ California sales and franchise taxes
■ Tax payments to other states
Initiate Transactions via the Internet
RemitONE lets you initiate tax payments via the Internet or PC anytime without leaving your office. A demonstration of this convenient service is available on-line at www.westamerica.com.

Call from Any Touchtone Phone
When you call RemitONE from a touch-tone phone, you’ll get step-by-step instructions, a confirmation of each entry and the ability to make any corrections throughout the call.

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26 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON ExpressDeposit Remote Deposit Capture
Deposit Checks Without Leaving Your Office
ExpressDeposit gives you the flexibility and convenience to manage your business on your schedule.

You can make unlimited deposits, enjoy later deposit cut-off times, and save time – without ever leaving the office.
• Reduce or eliminate courier expenses or inconvenient trips to the bank. • Process and transmit deposits at your convenience from the security of your office, 24 hours a day, 7 days a week.
• Minimize manual deposit preparation requirements with a faster, automated deposit preparation process.
• Reduce your fraud risk with accelerated check clearing, allowing you to identify returned items sooner, enhancing the collection process.
• Improve your funds availability since deposits are delivered to the bank sooner, allowing you to take advantage of earlier availability deadlines.

ExpressDeposit allows you to make a deposit to your bank account from your office without physically delivering the check to the bank. Checks are submitted for deposit using a PC and certified check-scanning device. The scanner will capture the information on the check, creating a two-sided digital image and transmit it to the bank. Your electronic deposit files are sent to Westamerica on a secure, encrypted internet connection.

You can deposit checks drawn on any U.S. bank made payable in U.S. currency. Scan up to 199 checks in a single deposit and make as many deposits per day as you like, 24 hours a day, 7 days a week. Check images are stored as secure pdf files for accurate and efficient record keeping.

Deposits received by Westamerica before 5:00 p.m. PT are processed on the same business day and are subject to the funds availability schedules provided by your designated account type. Deposits made after 5:00 pm will be processed the next business day.

You can save and print images of your deposited items and you can also export various reports of deposits, items in a deposit, and return and adjustment items. You are able to view detailed information about a submitted deposit for 90 calendar days.

System requirements for ExpressDeposit:
• Windows 2000 Professional or Higher/Windows XP/Windows Vista • Internet Explorer 6.0 or higher
• Sun Java Runtime (latest version)
• Certified desktop check scanner
• USB 2.0 compatible port
• A specialized check scanner is required to use ExpressDeposit. Scanners can be purchased through Westamerica or you my use another scanner as long as it is on our certified list of check scanners.

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27 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Monthly Account Statements
eStatements
eStatements are the secure electronic form of your checking or savings account statement and your cleared checks. You'll enjoy the speed and security of eStatements – you no longer have to wait for mail delivery or have concerns about your account information sitting in your mailbox. Your unique Login ID and password ensure confidentiality. Sign up, and we’ll notify you via e-mail each time your eStatement is ready. Then at your convenience, simply log into a secure site to view your statement and check images.

Account Analysis
Your monthly Account Analysis statement is consolidated when you have more than one account on analysis. You will be provided with an Account Analysis statement showing consolidated figures along with a separate analysis statement for each account in the relationship. Your statement is mailed to you by the fifth business day of each month. Analysis e-statements are not available at this time.

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28 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Payroll & Account Reconciliation
Customized Payroll and Payroll Account Reconcilement Services Westamerica Bank offers the following:
■ Automation of three-way debits to charge accounts and credit the City's Payroll Holding account.
■ Special instructions for the payroll supervisor to approve debits exceeding established limits.

Confirmation of these debits may be made via telephone. ■ Westamerica Bank can comply with the City's requests for payroll checks drawn as official checks on the bancontrol account rather than on the demand deposit account. ■ Each month, upon receipt of the payroll issue total, Westamerica Bank will provide account reconcilement service.
■ Westamerica’s Account Reconcilement Service is available for a flat fee of $65 per month and .15 cents per item. We estimate that the service charge for a monthly payroll of the City would be approximately $83, which would be charged to the City’s Analysis account. ■ Westamerica Bank currently is providing similar payroll services for other clients and has payroll specialists in our Controller’s Department.
■ Your employees will appreciate our ability to make payments via ACH directly to their bank accounts, saving them the inconvenience of making deposits, while providing immediate availability of their payroll funds.

Payroll and Payroll Account Reconciliation Services

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29 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancements
■ Merchant Card Services
■ Lockbox Service
■ Sweep Account
■ Visa Business Credit Cards
■ Discounted Banking for Your Employees
■ Night Depository
■ Safe Deposit Box
■ Municipal Lending Options
■ Educational Banking Seminars

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30 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Merchant Card Services
Westamerica Bank has a complete Merchant Services Department to process MasterCard, Visa, Discover, and American Express transactions. As more and more of your clients use credit cards as a payment method, competitive merchant processing becomes a necessity. Our service can help your cash management position by guaranteeing quality funds. Competitive discount fees will apply.

Merchant Card Services include:
■ Total 24/7 processing support and credit card terminal support. ■ Electronic data capture.
■ Wi-Fi, high-speed and/or analog credit card terminals for purchase. ■ Full set-up and ongoing service by a Westamerica Merchant Services Representative. ■ Next day credit for all approved and captured transactions deposited into your Westamerica account.
■ Processing available for ATM/check cards and other credit cards. ■ Electronic check capture, electronic check truncation, and check authorization service. ■ Free online merchant reporting.
■ No service or product contract.
■ Competitive pricing.

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31 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Lockbox Service
Westamerica Bank's Lockbox Service
Westamerica Bank's lockbox service is fully customized for the unique processing, reporting and posting file requirements for each lockbox account. This allows us to meet the special needs of your business without requiring you to conform to a "standard" used by all. It also allows for modifications to be made which may be unique to you as your system or operating procedure changes.

The Westamerica Bank lockbox center is located in Fairfield, California. The center is staffed with seven processors, one supervisor and the department manager. All are experienced in lockbox processing and reporting. All lockbox accounts have customized processing instructions to fit the reporting needs of the lockbox customer. All funds are deposited same day as receipt and all customers have direct contact with the lockbox supervisor for quick and easy inquiries and research needs. Lockbox payments are processed Monday through Friday. There is no processing on weekends or holidays. The lockbox area is monitored by security equipment.

Receipt of Payments
Westamerica utilizes the Suisun Post Office, just a short distance to the processing center, for lockbox receipts. City is assigned a unique PO Box number at the Suisun Post Office. The zip code contains a 4 digit extension for the PO Box number which is included in the post office’s first sorting pass. Each morning the mail in the post office box is picked up by a bonded courier and delivered to the lockbox processing center in Fairfield by 8:30am. One lockbox staff processor (and one back-up) is assigned to the City account. The processor opens the payments received and prepares them for processing based on the customized instructions established by the City.

Technical Requirements for Billing Documents
Westamerica Bank’s lockbox is a fully automated remittance capture and reporting system. It performs automated data capture from encoding formats of MICR, OCR or bar code scan lines to capture and process individual payment information. Scan lines placed at the top or bottom of the payment document with a ½” clearance from the edge of the document or other printed matter provide for optimum read capability. Non-reads by the scanner are re-scanned a second time. If the second pass does not read, the payment information is then entered via manual data entry. At the end of processing, the checks are balanced to the scan file of payments and a deposit is prepared to the lockbox account.

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32 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Lockbox Service (continued)
Payments received as “check only” without an invoice, such as those from “bill payer” systems, are entered via manual data entry from information on the check. Any information missing, such as account number, invoice number, or any other field required as part of City’s payment reporting information could be left blank, default to “0” or “9” filled, or payment not accepted and returned to the City All “exception” item processing instructions are determined by the City.

A contact person is also identified from the City to resolve any payment exceptions not previously documented. The goal is to process all items in the lockbox each day.

The City can set a daily processing deadline for release of the report and posting files. If no deadline is requested, deposit totals are reported daily by 4:00 pm. Cash received in payments is counted and logged in a register by two people. Cash is deposited in the local branch ATM.

Data Transmission File
Westamerica Bank’s lockbox data file format is “user defined” and file tests are completed prior to implementation. Currently the City uses a scan line for remittance payment information, therefore the data file is prepared using the detail information captured from the scan line of the payment documents. The format is customized to be compatible with the City’s accounts receivable system.

The daily posting file is released by the lockbox area by 4:00 pm, which the City can retrieve as a Secure e-mail file or a Secure FTP (user name & password).

Reporting
Daily lockbox reports will be transmitted to, and retrieved by, the City via e-mail. The reports will detail the lockbox payment transactions received for the day, and total deposit of funds to the City account. To eliminate the need to mail remittance copies and “exception” items back to the City, they can be imaged and included as an attachment to the posting file.

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33 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Sweep Account
Westamerica Bank “sweeps” excess collected balances from noninterest-bearing checking accounts into overnight repurchase agreements (“Repos”) issued by the Bank. The sweep rate on the Repo is set by Westamerica and is based on general financial market conditions or trends and the Bank’s funding needs. The sweep rate is reviewed periodically and changed when conditions warrant.

The repurchase agreement is collateralized by highly rated liquid and marketable securities with a market value of at least 100% of the repurchase amount. This collateral is kept at the Bank of New York, acting as safekeeping agent, in a segregated account in the name of Westamerica Bank. The pool of securities collateralizes all repurchase agreements entered into with Westamerica Bank. This collateral is monitored and marked to market daily. If the value of the collateral falls below 100% of the outstanding repurchase amount, more securities are added to the collateral pool to raise its value to at least 100%.

Unlike other banks, Westamerica Bank does not charge its clients for sweep services.

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34 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Visa Business Credit Cards
Westamerica Bank has a variety of credit card options to meet the needs of the City. Most of our Visa® Business Credit Cards offer a low introductory APR, your business name embossed on each card, and flexible billing options. Customer service is available toll-free, 24-hours a day, seven days a week, to serve the unique needs of your business.

Track Expenses
Our business credit card options provide access to free online reports that include customizable transaction data so you can categorize spending detail by merchant, employee, or purchase type.

They are downloadable to accounting and money management software packages.

Control Spending
Westamerica Bank’s Visa® Business Credit Cards allow you to control employee spending. You will have the ability to monitor and restrict spending by limit, time of day, geographical area, merchant and transaction types. The option to receive an alert via mobile text message and/or e-mail is available and Visa® Business Credit Cards provide protection from employee misuse.

Pay Down Balances or Earn Rewards
Save interest with a longer Intro Rate period on a non-rewards card or earn rewards on the entire company’s spending by selecting one of our rewards cards. All have valuable features:
■ Visa® Business Platinum Card (non-rewards)
Transfer your balances and get great savings with a low Intro Rate for 15 billing cycles and no annual fee. ■ Visa® Business Cash Card
Earn cash back every time you use your card: 3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services, 2% cash back on eligible restaurant and gasoline net purchases, and 1% cash back on all other eligible net purchases. This card has no annual fee. ■ Visa® Business Real Rewards Card
Earn 1.5 points monthly for every $1 you spend on eligible net purchases, with no caps or limits. Enjoy a low Intro Rate period for 6 billing cycles, and 2,500 first use bonus points. This card has no annual fee. ■ Visa® Smart Business Rewards Card
Earn 2 points for every $1 of purchases in the top two categories you spend the most on, automatically. Earn 1 point for every $1 spent on all other eligible net purchases. There are no point caps or limits on points you earn, and if you spend $500 in the first three months, you will earn 20,000 points, a $200 cash value. The annual fee of $95 is waived the first year.
■ Visa® Company Card
For mid-sized incorporated companies that need an extended credit line that features a corporate-only liability structure. An optional rewards program is available for an annual fee. ■ Visa®CommUNITY Card
Designed to meet the unique needs of non-profit organizations and municipalities, this card features a corporateonly liability structure. An optional rewards program is available for an annual fee.

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35 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Discounted Banking for Your Employees Your employees will appreciate your support when your business banking relationship provides benefits for them as well. Should your employees choose to bank with Westamerica Bank, we can offer them an attractive package of benefits.

Special City of Livingston Employee Accounts
This special offer of discounted services includes:
■ 120 personalized standard checks at no charge.
■ No monthly service charges for the first 12 months (Overdraft and other special handling fees and charges may still apply.)
■ No charge for automatic deposit of your employees’ paychecks. This service provides added security for your employees, plus they save the time and avoid the inconvenience of going to the bank to make deposits.
■ Friendly, attentive, personal service.
■ No fees to make deposits or withdrawals at any of more than 140 linked ATMs throughout our Westamerica Bank network.

Financial Planning for the Future
■ Employees can plan for their retirement through a variety of retirement accounts. ■ Westamerica Bank offers a wide range of IRAs, including Contributory IRAs, Rollover IRAs, and Transfer IRAs.
■ Financial investment services, including mutual funds, annuities and insurance, are available for all employees through Sorrento Pacific Financial. * *Non-deposit investment products and services are offered through Sorrento Pacific Financial, LLC (“SPF”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through SPF: are not FDIC or otherwise federally insured, are not a deposit or guarantee of the bank, and may involve investment risk including possible loss of principal. Investment Representatives are registered through SPF. Westamerica Bank has contracted with SPF to make non-deposit investment products and services available to bank clients.

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36 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Night Depository
This secure, convenient service lets you make deposits anytime. We process your deposits in dual custody, and even provide special deposit bags at no charge.

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37 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Safe Deposit Box
To protect important documents, records, computer tapes, and valuables, Westamerica Bank offers safe deposit boxes. Pricing varies based on size of box and may be charged through Account Analysis.

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38 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Municipal Lending Options
■ Equipment Financing
■ City Vehicle Financing
■ Project Financing
■ Operating Lines of Credit

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39 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Service Enhancement - Educational Banking Seminars
Seminars Currently Being Offered
Westamerica’s Community Education Program includes unique workshops offered to the constituents of various nonprofit organizations in our communities. Workshops typically are conducted on the premises of the participating agency.

Basic Banking
In this workshop, we explain the most basic services offered by banks, such as checking and savings accounts. Our goal is to assist individuals who have very little knowledge of banking and who may not be comfortable with the banking process. (Also available in Spanish.) Basic Budgeting
We explain the fundamentals of budgeting to make the best use of one’s income. Workshop attendees participate in an actual budget exercise and we assist them in applying their new budgeting skills to their own personal finances. (Also available in Spanish.) Additional Information
Westamerica is committed to the concept of community education. For more information about scheduling or attending a seminar, call (209) 394-8422.

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40 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Sample Contract
City of Livingston
1416 C Street
Livingston CA 95334
Thank you for considering banking services for the City of Livingston.

Westamerica Bank agrees to a five year contract beginning TBD, with five, one year renewal options. The pricing established in the contract dated TBD will remain in effect for the initial three years, provided the City of Livingston agrees to maintain minimum average deposits of $2,000,000 during the term of the contract. If these terms are acceptable, please sign and date below and return this letter to the address listed below. Based on a periodic review of account balances and activity, Westamerica Bank reserves the right to adjust the minimum balance requirement or discounted pricing.

Long term relationships with organizations such as yours are the foundation of Westamerica Bank's strength. We appreciate your business, and look forward to serving you for years to come.

Respectfully,
Brandon Murane
Vice President
Regional Service Manager
BM/cw
The City of Livingston hereby accepts the terms as described above.

Signature Title Date

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�<<WESTAMERIQ MNK

CITY OF LIVINGSTON
1416 CST

LIVINGSTON CA
Account
95334
Number Account Name
(287) D 0170887764
(287) D 0170912836

CITY OF LIVINGSTON

CITY OF LIVINGSTON
Average Ledger Balance
Less Average Float
Average Collected Balance
Average Negative Collected Balance
Average Positive Collected Balance
Positive Collected Balance
Total
Account Analysis
Relationship Summary
March 2020
For Questions Regarding Your Statement, Contact:
(209) 394-8422
1 (287) C 017088776•
xcess , ·
lnvestable (Deficit)
Balance Balance
$38,216.42
$3,596.60
$41,813.02
($545,717.25 )
( $351,203.07 )
( $896,920.32 )
$0.00
$46,458.91
$0.00
$46,458.91
Less Federal Reserve Requirement at 10.000000% of Positive Collected Balance lnvestable Balance
$46,458.91
$4,645.89
$41,813.02
Positive Collected Balance
Less Balance Required for Services
Excess/(Deficit) Balance
$46,458.91
$943,379.23
( $896,920.32 )

Page 1 of 7 ends

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1f<<WESTAMERIC1 BANK
Account Analysis
March 2020

CITY OF LIVINGSTON
1416 C ST

LIVINGSTON CA
Average Ledger Balance
Less Average Float
Average Collected Balance
Average Negative Collected Balance
Average Positive Collected Balance
Positive Collected Balance
95334
For Questions Regarding Your Statement , Contact:
(209) 394-8422
Less Federal Reserve Requirement at 10.000000% of Positive Collected Balance lnvestable Balance
Positive Collected Balance
Less Balance Required for Services
Excess/(Deficit) Balance
Analyzed Results
Earnings Credit at 0.300000% of lnvestable Balance
Less Total Analyzed Fees
Total Analyzed Results
Total Analyzed Service Charges This Statement
The Total Deficit Analyzed Result of $124.80 was Transferred to Composite Account 0170887764 . 1 (287) C 017088.f116•
$42,462.69
$0.00
$42,462.69
$0.00
$42,462.69
$42,462.69
$4,246.27
$38,216.42
$42,462.69
$588,179.94
( $545,717.25 )
$9.71
$134.51
. ·�:-.
( $124.80)
$124.80

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¾<<WESTAMERIC"A BANK
Account Analysis\
March 2020

CITY OF LIVINGSTON
(PAYROLL ACCOUNT)
1416 C STREET
LIVINGSTON CA 95334
For Questions Regarding Your Statement, Contact:
(209) 394-8422
1 (287) c 017oa�f?5,
Average Ledger Balance $3,996.22
Less Average Float $0.00
Average Collected Balance
Average Negative Collected Balance
Average Positive Collected Balance
Positive Collected Balance
Less Federal Reserve Requirement at 10.000000% of Positive Collected Balance lnvestable Balance
$3,996.22
$0.00
$3,996.22
$3,996.22
$399.62
_,,,,.. ,
$3,596.60
$3,996.22
$355,199.29
•➔ _.! ..•
Positive Collected Balance
Less Balance Required for Services
Excess/(Deficit) Balance
Analyzed Results
Earnings Credit at 0.300000% of lnvestable Balance
Less Total Analyzed Fees
Total Analyzed Results
Total Analyzed Service Charges This Statement
The Total Deficit Analyzed Result of $80.32 was Transferred to Composite Account 0170887764 . ( $351,203.07 )
$0.91
$81.23
( $80.32)
$80.32

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42 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON

PRESS RELEASE
FOR IMMEDIATE RELEASE April 20, 2023
For additional information
Contact: Westamerica Bancorporation
Robert A. Thorson
707-863-6840
westamerica.com

WESTAMERICA BANCORPORATION REPORTS FIRST QUARTER
2023 FINANCIAL RESULTS
SAN RAFAEL, CA: Westamerica Bancorporation (Nasdaq: WABC), parent company of Westamerica Bank, generated net income for the first quarter 2023 of $40.5 million and diluted earnings per common share (“EPS”) of $1.51. First quarter 2023 results include a provision for credit losses reversal of $1.6 million, which increased EPS $0.04. These results compare to net income for fourth quarter 2022 of $39.3 million and EPS of $1.46. “Westamerica’s first quarter 2023 results benefited from the Company’s valuable low-cost deposit base; the cost of funding our loan and bond portfolios was 0.03 percent in the first quarter 2023, unchanged from the prior quarter. Non-interest bearing deposits represented 47 percent of average deposits in the first quarter 2023 while higher-cost time deposits represented only 2 percent of average deposits. The first quarter 2023 also benefited from higher yields on variable-rate assets.

Operating expenses were well controlled and credit quality remained stable with nonperforming assets of $785 thousand at March 31, 2023,” said Chairman, President and CEO David Payne. “First quarter 2023 results generated an annualized 19.1 percent return on average common equity. Shareholders were paid a $0.42 per common share dividend during the first quarter 2023,” concluded Payne.
2023 First Quarter Earnings Release

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43 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON 2023 First Quarter Earnings Release
Net interest income on a fully-taxable equivalent (FTE) basis was $69.6 million for the first quarter 2023, compared to $69.2 million for the fourth quarter 2022. The yield earned on loans, bonds and cash for the first quarter 2023 was 4.21 percent, up from 3.98 percent for the fourth quarter 2022. The cost of funding the loan and bond portfolios was 0.03 percent for both the first quarter 2023 and fourth quarter 2022.

The Company recognized a $1.6 million provision for credit losses reversal in the first quarter 2023 as a result of a $2.2 million recovery on a previously charged-off commercial loan.

Variable rate assets at March 31, 2023 included $1.5 billion in collateralized loan obligations for which interest rates reset quarterly.

Noninterest income for the first quarter 2023 totaled $10.5 million unchanged from the fourth quarter 2022.

Noninterest expenses for the first quarter 2023 were $26.2 million compared to $25.1 million for the fourth quarter 2022; the increase in noninterest expenses is primarily due to an increase in seasonal payroll taxes and increased FDIC insurance assessments for all insured depository institutions.

Westamerica Bancorporation’s wholly owned subsidiary Westamerica Bank, operates commercial banking and trust offices throughout Northern and Central California.

FORWARD-LOOKING INFORMATION:

The following appears in accordance with the Private Securities Litigation Reform Act of 1995:

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44 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON 2023 First Quarter Earnings Release
Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors — many of which are beyond the Company's control — could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. The Company's most recent reports filed with the Securities and Exchange Commission, including the annual report for the year ended December 31, 2020 filed on Form 10-K and quarterly report for the quarter ended June 30, 2021 filed on Form 10-Q, describe some of these factors, including certain credit, interest rate, operational, liquidity and market risks associated with the Company's business and operations. Other factors described in these reports include changes in business and economic conditions, competition, fiscal and monetary policies, disintermediation, cyber security risks, legislation including the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2011, the Sarbanes-Oxley Act of 2002 and the Gramm-Leach-Bliley Act of 1999, and mergers and acquisitions.

Forward-looking statements speak only as of the date they are made. The Company does not undertake to update forwardlooking statements to reflect circumstances or events that occur after the date forward looking statements are made. ####

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45 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON 2023 First Quarter Earnings Release
Revision date 5/23 “Bank News Section”
4 A WESTAMERICA BANK PROPOSAL FOR NAME OF COMPANY
2023 First Quarter Earnings Release
Public Information April 20, 2023

WESTAMERICA BANCORPORATION

FINANCIAL HIGHLIGHTS
March 31, 2023

1. Net Income Summary.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Net Interest and Fee Income (FTE) $69,562 $43,807 58.8% $69,155 0.6% 2 Reversal of Provision for Credit Losses (2) (1,550) - n/m - n/m 3 Noninterest Income (1) 10,549 11,576 -8.9% 10,463 0.8% 4 Noninterest Expense 26,210 24,875 5.4% 25,090 4.5%
5 Income Before Taxes (FTE) 55,451 30,508 81.8% 54,528 1.7% 6 Income Tax Provision (FTE) 15,000 7,892 90.1% 15,184 -1.2% 7 Net Income $40,451 $22,616 78.9% $39,344 2.8%
8 Average Common Shares Outstanding 26,859 26,870 0.0% 26,912 -0.2% 9 Diluted Average Common Shares Outstanding 26,866 26,885 -0.1% 26,924 -0.2% 10 Operating Ratios:
11 Basic Earnings Per Common Share $1.51 $0.84 79.8% $1.46 3.4% 12 Diluted Earnings Per Common Share 1.51 0.84 79.8% 1.46 3.4% 13 Return On Assets (a) 2.31% 1.24% 2.12%
14 Return On Common Equity (a) 19.1% 11.8% 18.6%
15 Net Interest Margin (FTE) (a) 4.18% 2.51% 3.95%
16 Efficiency Ratio (FTE) 32.7% 44.9% 31.5%
17 Dividends Paid Per Common Share $0.42 $0.42 0.0% $0.42 0.0% 18 Common Dividend Payout Ratio 28% 50% 29%

2. Net Interest Income.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Interest and Fee Income (FTE) $70,033 $44,287 58.1% $69,630 0.6% 2 Interest Expense 471 480 -1.9% 475 -0.8%
3 Net Interest and Fee Income (FTE) $69,562 $43,807 58.8% $69,155 0.6% 4 Average Earning Assets $6,665,156 $6,998,234 -4.8% $6,930,584 -3.8% 5 Average Interest-Bearing Liabilities 3,287,158 3,546,146 -7.3% 3,412,189 -3.7% 6 Yield on Earning Assets (FTE) (a) 4.21% 2.54% 3.98%
7 Cost of Funds (a) 0.03% 0.03% 0.03%
8 Net Interest Margin (FTE) (a) 4.18% 2.51% 3.95%
9 Interest Expense/Interest-Bearing
Liabilities (a) 0.06% 0.05% 0.06%
10 Net Interest Spread (FTE) (a) 4.15% 2.49% 3.92%

3. Loans & Other Earning Assets.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Total Assets $7,112,317 $7,406,321 -4.0% $7,353,270 -3.3% 2 Total Earning Assets 6,665,156 6,998,234 -4.8% 6,930,584 -3.8% 3 Total Loans 945,864 1,029,724 -8.1% 964,287 -1.9%
4 Commercial Loans 165,360 207,901 -20.5% 173,527 -4.7% 5 Commercial Real Estate Loans 493,132 524,040 -5.9% 492,549 0.1% 6 Consumer Loans 287,372 297,783 -3.5% 298,211 -3.6%
7 Total Investment Securities 5,548,780 4,947,846 12.1% 5,694,280 -2.6% 8 Debt Securities Available for Sale 4,636,098 4,655,983 -0.4% 4,767,459 -2.8% 9 Debt Securities Held to Maturity 912,682 291,863 212.7% 926,821 -1.5% 10 Total Interest-Bearing Cash 170,512 1,020,664 -83.3% 272,017 -37.3% 11 Loans / Deposits 15.6% 16.1% 15.2%
(in thousands except per-share amounts)
(dollars in thousands)
(average volume, dollars in thousands)

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46 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON 2023 First Quarter Earnings Release
Revision date 5/23 “Bank News Section”
5 A WESTAMERICA BANK PROPOSAL FOR NAME OF COMPANY
2023 First Quarter Earnings Release

Page 2 ends

Public Information April 20, 2023

WESTAMERICA BANCORPORATION

FINANCIAL HIGHLIGHTS
March 31, 2023

4. Deposits, Other Interest-Bearing Liabilities & Equity.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Total Deposits $6,061,923 $6,393,458 -5.2% $6,349,401 -4.5% 2 Noninterest Demand 2,851,600 3,005,065 -5.1% 3,010,806 -5.3% 3 Interest-Bearing Transaction 1,233,439 1,265,100 -2.5% 1,287,304 -4.2% 4 Savings 1,847,428 1,980,092 -6.7% 1,917,370 -3.6%
5 Time greater than $100K 57,630 64,172 -10.2% 59,720 -3.5% 6 Time less than $100K 71,826 79,029 -9.1% 74,201 -3.2% 7 Total Short-Term Borrowings 76,835 157,753 -51.3% 73,594 4.4% 8 Shareholders' Equity 858,473 776,225 10.6% 837,499 2.5% 9 Demand Deposits / Total Deposits 47.0% 47.0% 47.4%
10 Transaction & Savings Deposits / Total Deposits 97.9% 97.8% 97.9%

5. Interest Yields Earned & Rates Paid.

Q1'2023 Q4'2022 Q1'2022
Average Income/ Yield (a)/ Yield (a)/ Average Income/ Yield (a)/ Volume Expense Rate (a) Rate (a) Volume Expense Rate (a) 1 Interest & Fee Income Earned:
2 Total Earning Assets (FTE) $6,665,156 $70,033 4.21% 3.98% $6,998,234 $44,287 2.54% 3 Total Loans (FTE) 945,864 11,834 5.07% 5.06% 1,029,724 13,038 5.14% 4 Commercial Loans (FTE) 165,360 2,760 6.77% 6.62% 207,901 2,843 5.55% 5 Commercial Real Estate Loans 493,132 5,627 4.63% 4.68% 524,040 6,731 5.21% 6 Consumer Loans 287,372 3,447 4.86% 4.77% 297,783 3,464 4.72% 7 Total Investment Securities (FTE) 5,548,780 56,257 4.06% 3.81% 4,947,846 30,770 2.49% 8 Total Debt Securities Available for Sale (FTE) 4,636,098 47,114 4.06% 3.78% 4,655,983 28,862 2.48% 9 Corporate Securities 2,350,403 16,446 2.80% 2.78% 2,701,476 18,488 2.74% 10 Collateralized Loan Obligations 1,577,260 25,006 6.34% 5.61% 1,464,266 7,045 1.92% 11 Agency Mortgage Backed Securities 304,863 1,865 2.45% 2.40% 385,900 2,256 2.34% 12 Securities of U.S. Government sponsored entities 306,441 2,777 3.62% 3.61% - - - 13 Obligations of States and Political Subdivisions (FTE) 83,914 637 3.04% 3.04% 89,998 694 3.08% 14 Other Debt Securities Available for Sale (FTE) 13,217 383 11.59% 11.63% 14,343 379 10.56% 15 Total Debt Securities Held to Maturity (FTE) 912,682 9,143 4.01% 3.99% 291,863 1,908 2.61% 16 Agency Mortgage Backed Securities 101,911 547 2.15% 2.11% 141,733 646 1.82% 17 Corporate Securities 722,452 7,815 4.33% 4.34% - - - 18 Obligations of States and Political Subdivisions (FTE) 88,319 781 3.54% 3.50% 150,130 1,262 3.36% 19 Total Interest-Bearing Cash 170,512 1,942 4.56% 3.69% 1,020,664 479 0.19% 20 Interest Expense Paid:
21 Total Earning Assets 6,665,156 471 0.03% 0.03% 6,998,234 480 0.03% 22 Total Interest-Bearing Liabilities 3,287,158 471 0.06% 0.06% 3,546,146 480 0.05% 23 Total Interest-Bearing Deposits 3,210,323 458 0.06% 0.05% 3,388,393 452 0.05% 24 Interest-Bearing Transaction 1,233,439 94 0.03% 0.03% 1,265,100 88 0.03% 25 Savings 1,847,428 280 0.06% 0.06% 1,980,092 283 0.06% 26 Time less than $100K 71,826 50 0.28% 0.27% 79,029 40 0.21% 27 Time greater than $100K 57,630 34 0.24% 0.24% 64,172 41 0.26% 28 Total Short-Term Borrowings 76,835 13 0.07% 0.06% 157,753 28 0.07% 29 Net Interest Income and Margin (FTE) $69,562 4.18% 3.95% $43,807 2.51% (average volume, dollars in thousands)
(dollars in thousands)

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47 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Revision date 5/23 “Bank News Section”
6 A WESTAMERICA BANK PROPOSAL FOR NAME OF COMPANY

Page 3 ends

Public Information April 20, 2023

WESTAMERICA BANCORPORATION

FINANCIAL HIGHLIGHTS
March 31, 2023

6. Noninterest Income.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Service Charges on Deposit Accounts $3,465 $3,582 -3.3% $3,484 -0.5% 2 Merchant Processing Services 2,637 2,623 0.5% 2,701 -2.4% 3 Debit Card Fees (1) 1,642 2,872 -42.8% 1,704 -3.6%
4 Trust Fees 765 843 -9.3% 754 1.5%
5 ATM Processing Fees 654 451 45.0% 646 1.2%
6 Other Service Fees 399 449 -11.2% 416 -4.1%
7 Financial Services Commissions 89 117 -23.9% 103 -13.6% 8 Other Noninterest Income 898 639 40.5% 655 37.1%
9 Total Noninterest Income $10,549 $11,576 -8.9% $10,463 0.8% 10 Operating Ratios:
11 Total Revenue (FTE) $80,111 $55,383 44.6% $79,618 0.6% 12 Noninterest Income / Revenue (FTE) 13.2% 20.9% 13.1% 13 Service Charges / Avg. Deposits (a) 0.23% 0.23% 0.22% 14 Total Revenue Per Avg. Common Share (a) $12.10 $8.36 44.8% $11.74 3.1%

7. Noninterest Expense.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Salaries & Benefits $12,067 $11,920 1.2% $11,482 5.1% 2 Occupancy and Equipment 5,485 4,746 15.6% 5,218 5.1%
3 Outsourced Data Processing 2,444 2,437 0.3% 2,390 2.3% 4 Limited Partnership Operating Losses 1,434 1,431 0.2% 1,431 0.2% 5 Professional Fees 476 736 -35.3% 574 -17.1%
6 Courier Service 615 582 5.7% 700 -12.1%
7 Other Noninterest Expense 3,689 3,023 22.0% 3,295 12.0% 8 Total Noninterest Expense $26,210 $24,875 5.4% $25,090 4.5% 9 Operating Ratios:
10 Noninterest Expense / Avg. Earning Assets (a) 1.59% 1.44% 1.44% 11 Noninterest Expense / FTE Revenues 32.7% 44.9% 31.5%

8. Allowance for Credit Losses.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Average Total Loans $945,864 $1,029,724 -8.1% $964,287 -1.9% 2 Beginning of Period Allowance for Credit Losses (ACLL) $20,284 $23,514 -13.7% $21,218 -4.4% 3 (Reversal of) Provision for Credit Losses (2) (1,550) - n/m 6 n/m 4 Net ACLL Recoveries (Losses) 775 (589) n/m (940) n/m
5 End of Period ACLL $19,509 $22,925 -14.9% $20,284 -3.8% 6 Gross ACLL Recoveries / Gross ACLL Losses 138% 51% 44% 7 Net ACLL (Recoveries) Losses / Avg. Total Loans (a) -0.33% 0.23% 0.39% 3/31/23 / 3/31/23 /
3/31/23 3/31/22 3/31/22 12/31/22 12/31/22 9/30/22 6/30/22 12/31/21 8 Allowance for Credit Losses on Loans $19,509 $22,925 -14.9% $20,284 -3.8% $21,218 $22,313 $23,514 9 Allowance for Credit Losses on Held to Maturity Securities 1 7 -85.5% 1 -33.0% 7 7 7 Total Allowance for Credit Losses $19,510 $22,932 -14.9% $20,285 -3.8% $21,225 $22,320 $23,521 10 Allowance for Unfunded Credit Commitments $201 $201 0.0% $201 0.0% $201 $201 $201 (dollars in thousands except per-share amounts)
(dollars in thousands)
(dollars in thousands)
(dollars in thousands)
2023 First Quarter Earnings Release
2023 First Quarter Earnings Release

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48 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON 2023 First Quarter Earnings Release
Revision date 5/23 “Bank News Section” 7

A WESTAMERICA BANK PROPOSAL FOR NAME OF COMPANY
2023First Quarter Earnings Release

Page 4 ends

Public Information April 20, 2023

WESTAMERICA BANCORPORATION

FINANCIAL HIGHLIGHTS
March 31, 2023

9. Credit Quality.
3/31/23 / 3/31/23 /
3/31/23 3/31/22 3/31/22 12/31/22 12/31/22 9/30/22 6/30/22 12/31/21 1 Nonperforming Loans:
2 Nonperforming Nonaccrual Loans $207 $63 228.6% $146 41.8% $131 $12 $265 3 Performing Nonaccrual Loans 7 421 n/m - n/m 66 235 427 4 Total Nonaccrual Loans 214 484 -55.8% 146 46.6% 197 247 692 5 Accruing Loans 90+ Days Past Due 571 431 32.5% 628 -9.1% 769 614 339 6 Total Nonperforming Loans $785 $915 -14.2% $774 1.4% $966 $861 $1,031 7 Total Loans Outstanding $938,628 $1,002,514 -6.4% $958,488 -2.1% $979,033 $999,768 $1,068,126 8 Total Assets 6,700,471 7,306,417 -8.3% 6,950,317 -3.6% 7,177,025 7,222,405 7,461,026 9 Loans:
10 Allowance for Credit Losses on Loans $19,509 $22,925 -14.9% $20,284 -3.8% $21,218 $22,313 $23,514 11 Allowance for Credit Losses on Loans / Loans 2.08% 2.29% 2.12% 2.17% 2.23% 2.20% 12 Nonperforming Loans / Total Loans 0.08% 0.09% 0.08% 0.10% 0.09% 0.10%

10. Liquidity.
(in thousands)
3/31/23
1 Debt Securities Eligible as Collateral:
2 Corporate Securities $2,715,376
3 Collateralized Loan Obligations rated AAA 525,666
4 Obligations of States and Political Subdivisions 170,268 5 Agency Mortgage Backed Securities 369,010
6 Securities of U.S. Government Sponsored Entities (Par Value) 326,833 7 Total Debt Securities Eligible as Collateral $4,107,153 8 Debt Securities Pledged as Collateral:
9 Public funds ($686,533)
10 Short-term borrowed funds (Deposit Sweep) (169,352)
11 Other (6,365)
12 Total Debt Securities Pledged as Collateral ($862,250) 13 Debt Securities Pledged at the Federal Reserve Bank ($670,649) 14 Debt Securities Available to Pledge $2,574,254
(dollars in thousands)
At March 31, 2023, the Company had $195,202 thousand in cash balances. During the twelve months ending March 31, 2024, the Company expects to receive $337,000 thousand in principal payments from its debt securities. If additional operational liquidity is required, the Company can pledge debt securities as collateral for borrowing purposes; at March 31, 2023, the Company’s debt securities which qualify as collateral for borrowing totaled $4,107,153 thousand. In the ordinary course of business, the Company pledges debt securities as collateral for certain depository customers; at March 31, 2023, the Company had pledged $686,533 thousand in debt securities for depository customers. In the ordinary course of business, the Company pledges debt securities as collateral for borrowing from the Federal Reserve Bank; at March 31, 2023, the Company’s had pledged $670,649 thousand in debt securities at the Federal Reserve Bank. During the three months ended March 31, 2023, the Company’s average borrowings from the Federal Reserve Bank and other correspondent banks were $1 thousand, and at March 31, 2023, the Company’s borrowings from the Federal Reserve Bank and other correspondent banks were $-0- thousand. At March 31, 2023, the Company’s unpledged collateral qualifying debt securities totaled $2,574,254 thousand. The following schedule is shown in market value unless otherwise noted.

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49 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Revision date 5/23 “Bank News Section”
8 A WESTAMERICA BANK PROPOSAL FOR NAME OF COMPANY

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Public Information April 20, 2023

WESTAMERICA BANCORPORATION

FINANCIAL HIGHLIGHTS
March 31, 2023

11. Capital.
3/31/23 / 3/31/23 /
3/31/23 3/31/22 3/31/22 12/31/22 12/31/22 9/30/22 6/30/22 12/31/21 1 Shareholders' Equity $642,925 $701,744 -8.4% $602,110 6.8% $538,988 $617,126 $827,102 2 Total Assets 6,700,471 7,306,417 -8.3% 6,950,317 -3.6% 7,177,025 7,222,405 7,461,026 3 Total Shareholders' Equity / Total Assets 9.60% 9.60% 8.66% 7.51% 8.54% 11.09% 4 Total Shareholders' Equity / Total Loans 68.50% 70.00% 62.82% 55.05% 61.73% 77.43% 5 Tangible Common Equity Ratio 7.92% 8.06% 7.03% 5.91% 6.97% 9.60% 6 Common Shares Outstanding 26,648 26,883 -0.9% 26,913 -1.0% 26,911 26,896 26,866 7 Common Equity Per Share $24.13 $26.10 -7.6% $22.37 7.8% $20.03 $22.94 $30.79 8 Market Value Per Common Share 44.30 60.50 -26.8% 59.01 -24.9% 52.29 55.66 57.73 Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
9 Share Repurchase Programs:
10 Total Shares Repurchased / Canceled 274 3 n/m - n/m
11 Average Repurchase Price $50.11 $58.66 n/m $- n/m
12 Net Shares Repurchased (Issued) 265 (17) n/m (2) n/m (in thousands, except per-share amounts)
(shares in thousands)
2023 First Quarter Earnings Release
Public Information April 20, 2023

WESTAMERICA BANCORPORATION

FINANCIAL HIGHLIGHTS
March 31, 2023

12. Period-End Balance Sheets.
3/31/23 / 3/31/23 /
3/31/23 3/31/22 3/31/22 12/31/22 12/31/22 9/30/22 6/30/22 12/31/21 1 Assets:
2 Cash and Due from Banks $195,202 $1,037,593 -81.2% $294,236 -33.7% $413,665 $753,293 $1,132,085 3 Debt Securities Available for Sale:
4 Corporate Securities 2,019,240 2,547,118 -20.7% 2,099,955 -3.8% 2,138,508 2,296,853 2,746,735 5 Collateralized Loan Obligations 1,542,377 1,616,584 -4.6% 1,572,883 -1.9% 1,587,622 1,601,333 1,386,355 6 Agency Mortgage Backed Securities 276,078 363,181 -24.0% 286,048 -3.5% 296,689 331,425 411,726 7 Securities of U.S. Government sponsored entities 297,140 - n/m 290,853 2.2% 272,525 290,725 - 8 Obligations of States and Political Subdivisions 82,678 89,595 -7.7% 82,004 0.8% 80,987 86,676 93,920 9 Other Debt Securities Available for Sale - 110 n/m - n/m - 102 119 10 Total Debt Securities Available for Sale 4,217,513 4,616,588 -8.6% 4,331,743 -2.6% 4,376,331 4,607,114 4,638,855 11 Debt Securities Held to Maturity:
12 Agency Mortgage Backed Securities 98,006 133,754 -26.7% 104,852 -6.5% 112,371 121,810 148,390 13 Corporate Securities 723,553 - n/m 721,854 0.2% 720,154 181,316 - 14 Obligations of States and Political Subdivisions (3) 87,760 146,766 -40.2% 89,207 -1.6% 103,742 139,228 158,006 15 Total Debt Securities Held to Maturity (3) 909,319 280,520 224.2% 915,913 -0.7% 936,267 442,354 306,396 16 Loans 938,628 1,002,514 -6.4% 958,488 -2.1% 979,033 999,768 1,068,126 17 Allowance For Credit Losses on Loans (19,509) (22,925) -14.9% (20,284) -3.8% (21,218) (22,313) (23,514) 18 Total Loans, net 919,119 979,589 -6.2% 938,204 -2.0% 957,815 977,455 1,044,612 19 Premises and Equipment, net 28,331 30,626 -7.5% 28,819 -1.7% 29,756 30,309 31,155 20 Identifiable Intangibles, net 523 771 -32.1% 583 -10.3% 644 707 835 21 Goodwill 121,673 121,673 0.0% 121,673 0.0% 121,673 121,673 121,673 22 Other Assets 308,791 239,057 29.2% 319,146 -3.2% 340,874 289,500 185,415 23 Total Assets $6,700,471 $7,306,417 -8.3% $6,950,317 -3.6% $7,177,025 $7,222,405 $7,461,026 24 Liabilities and Shareholders' Equity:
25 Deposits:
26 Noninterest-Bearing $2,788,992 $3,000,268 -7.0% $2,947,277 -5.4% $3,069,907 $2,987,725 $3,069,080 27 Interest-Bearing Transaction 1,201,356 1,279,165 -6.1% 1,273,143 -5.6% 1,338,855 1,303,700 1,260,869 28 Savings 1,783,667 1,984,719 -10.1% 1,874,115 -4.8% 1,949,711 1,983,713 1,940,395 29 Time 125,300 141,722 -11.6% 130,755 -4.2% 136,783 140,453 143,612 30 Total Deposits 5,899,315 6,405,874 -7.9% 6,225,290 -5.2% 6,495,256 6,415,591 6,413,956 31 Short-Term Borrowed Funds 83,088 124,442 -33.2% 57,792 43.8% 76,886 118,167 146,246 32 Other Liabilities 75,143 74,357 1.1% 65,125 15.4% 65,895 71,521 73,722 33 Total Liabilities 6,057,546 6,604,673 -8.3% 6,348,207 -4.6% 6,638,037 6,605,279 6,633,924 34 Shareholders' Equity:
35 Common Equity:
36 Paid-In Capital 471,159 472,470 -0.3% 475,121 -0.8% 474,732 473,555 471,043 37 Accumulated Other Comprehensive (Loss) Income (231,573) (88,300) n/m (256,105) -9.6% (290,797) (188,025) 49,664 38 Retained Earnings 403,339 317,574 27.0% 383,094 5.3% 355,053 331,596 306,395 39 Total Shareholders' Equity 642,925 701,744 -8.4% 602,110 6.8% 538,988 617,126 827,102 40 Total Liabilities and Shareholders' Equity $6,700,471 $7,306,417 -8.3% $6,950,317 -3.6% $7,177,025 $7,222,405 $7,461,026 (unaudited, dollars in thousands)
2023 First Quarter Earnings Release

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50 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON Revision date 5/23 “Bank News Section”
9 A WESTAMERICA BANK PROPOSAL FOR NAME OF COMPANY

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Public Information April 20, 2023

WESTAMERICA BANCORPORATION

FINANCIAL HIGHLIGHTS
March 31, 2023

13. Income Statements.

Q1'23 / Q1'23 /
Q1'2023 Q1'2022 Q1'22 Q4'2022 Q4'22
1 Interest and Fee Income:
2 Loans $11,740 $12,942 -9.3% $12,201 -3.8%
3 Equity Securities 152 128 18.8% 153 -0.7%
4 Debt Securities Available for Sale 46,810 28,566 63.9% 45,216 3.5% 5 Debt Securities Held to Maturity 8,980 1,644 446.2% 9,061 -0.9% 6 Interest-Bearing Cash 1,942 479 305.4% 2,567 -24.3%
7 Total Interest and Fee Income 69,624 43,759 59.1% 69,198 0.6% 8 Interest Expense:
9 Transaction Deposits 94 88 6.8% 96 -2.1%
10 Savings Deposits 280 283 -1.1% 280 0.0%
11 Time Deposits 84 81 3.7% 87 -3.4%
12 Short-Term Borrowed Funds 13 28 -53.6% 12 8.3%
13 Total Interest Expense 471 480 -1.9% 475 -0.8%
14 Net Interest Income 69,153 43,279 59.8% 68,723 0.6%
15 Reversal of Provision for Credit Losses (2) (1,550) - n/m - n/m 16 Noninterest Income:
17 Service Charges on Deposit Accounts 3,465 3,582 -3.3% 3,484 -0.5% 18 Merchant Processing Services 2,637 2,623 0.5% 2,701 -2.4% 19 Debit Card Fees (1) 1,642 2,872 -42.8% 1,704 -3.6%
20 Trust Fees 765 843 -9.3% 754 1.5%
21 ATM Processing Fees 654 451 45.0% 646 1.2%
22 Other Service Fees 399 449 -11.2% 416 -4.1%
23 Financial Services Commissions 89 117 -23.9% 103 -13.6% 24 Other Noninterest Income 898 639 40.5% 655 37.1%
25 Total Noninterest Income 10,549 11,576 -8.9% 10,463 0.8% 26 Noninterest Expense:
27 Salaries and Related Benefits 12,067 11,920 1.2% 11,482 5.1% 28 Occupancy and Equipment 5,485 4,746 15.6% 5,218 5.1% 29 Outsourced Data Processing 2,444 2,437 0.3% 2,390 2.3% 30 Limited Partnership Operating Losses 1,434 1,431 0.2% 1,431 0.2% 31 Professional Fees 476 736 -35.3% 574 -17.1%
32 Courier Service 615 582 5.7% 700 -12.1%
33 Other Noninterest Expense 3,689 3,023 22.0% 3,295 12.0% 34 Total Noninterest Expense 26,210 24,875 5.4% 25,090 4.5% 35 Income Before Income Taxes 55,042 29,980 83.6% 54,096 1.7% 36 Income Tax Provision 14,591 7,364 98.1% 14,752 -1.1% 37 Net Income $40,451 $22,616 78.9% $39,344 2.8%
38 Average Common Shares Outstanding 26,859 26,870 0.0% 26,912 -0.2% 39 Diluted Average Common Shares Outstanding 26,866 26,885 -0.1% 26,924 -0.2% 40 Per Common Share Data:
41 Basic Earnings $1.51 $0.84 79.8% $1.46 3.4%
42 Diluted Earnings 1.51 0.84 79.8% 1.46 3.4%
43 Dividends Paid 0.42 0.42 0.0% 0.42 0.0%
Footnotes and Abbreviations:
(a) Annualized
(FTE) Fully Taxable Equivalent. The Company presents its net interest margin and net interest income on a FTE basis using the current statutory federal tax rate. Management believes the FTE basis is valuable to the reader because the Company’s loan and investment securities portfolios contain a portion of municipal loans and securities that are federally tax exempt. The Company’s tax exempt loans and securities composition may not be similar to that of other banks, therefore in order to reflect the impact of the federally tax exempt loans and securities on the net interest margin and net interest income for comparability with other banks, the Company presents its net interest margin and net interest income on a FTE basis. (unaudited, in thousands, except per-share amounts)
(1) The Company received a $1.2 million reconciling payment from a payments network in the first quarter 2022. (2) A recovery of a previously charged off loan in the first quarter 2023 resulted in a $1,550 thousand reversal of the allowance for credit loss provision in the first quarter 2023. (3) Debt Securities Held to Maturity and Obligations of States and Political Subdivisions are net of related reserve for expected credit losses of $1 thousand at March 31, 2023 and December 31, 2022, $7 thousand at September 30, 2022, June 30, 2022, March 31, 2022 and December 31, 2021. 2023 First Quarter Earnings Release
2023 First Quarter Earnings Release

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51 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON

PRESS RELEASE
FOR IMMEDIATE RELEASE April 27, 2023
For additional information
Contact: Westamerica Bancorporation
Robert A. Thorson
707-863-6840
www.westamerica.com

WESTAMERICA BANCORPORATION DECLARES QUARTERLY

CASH DIVIDEND
San Rafael, CA: The Board of Directors of Westamerica Bancorporation (NASDAQ: WABC) today declared a quarterly cash dividend of $0.42 per share on common stock outstanding to shareholders of record at the close of business May 8, 2023. The dividend is payable May 19, 2023.

Chairman, President and CEO David Payne stated, “This quarterly dividend recognizes Westamerica’s reliable earnings stream, financial strength and conservative risk profile.” On April 20, 2023, Westamerica reported $40.5 million in net income for the three months ended March 31, 2023, or $1.51 diluted earnings per common share.

Westamerica Bancorporation, through its wholly owned subsidiary, Westamerica Bank, operates banking and trust offices throughout Northern and Central California. 2023 First Quarter Earnings Release

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52 A WESTAMERICA BANK PROPOSAL FOR THE CITY OF LIVINGSTON FORWARD-LOOKING INFORMATION:

The following appears in accordance with the Private Securities Litigation Reform Act of 1995:

This press release may contain forward-looking statements about the Company, including descriptions of plans or objectives of its management for future operations, products or services, and forecasts of its revenues, earnings or other measures of economic performance. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words "believe," "expect," "anticipate," "intend," "plan," "estimate," or words of similar meaning, or future or conditional verbs such as "will," "would," "should," "could," or "may." Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors — many of which are beyond the Company's control — could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. The Company's most recent reports filed with the Securities and Exchange Commission, including the annual report for the year ended December 31, 2020 filed on Form 10-K and quarterly report for the quarter ended June 30, 2021 filed on Form 10-Q, describe some of these factors, including certain credit, interest rate, operational, liquidity and market risks associated with the Company's business and operations. Other factors described in these reports include changes in business and economic conditions, competition, fiscal and monetary policies, disintermediation, cyber security risks, legislation including the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2011, the Sarbanes-Oxley Act of 2002 and the Gramm-Leach-Bliley Act of 1999, and mergers and acquisitions.

Forward-looking statements speak only as of the date they are made. The Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date forward looking statements are made. 2023 First Quarter Earnings Release

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WESTAMERICA W
2022 ANNUAL REPORT | 2023 PROXY STATEMENT | NOTICE OF ANNUAL MEETING

ESTAMERICA
2022 ANNUAL REPORT | 2023 PROXY STATEMENT | NOTICE OF ANNUAL MEETING

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2023 WESTAMERICA BANCORPORATION PROXY
1108 Fifth Avenue
San Rafael, California 94901
March 17, 2023
To Our Shareholders:

You are cordially invited to attend the Annual Meeting of Shareholders of Westamerica Bancorporation. It will be held at 10:00 a.m. Pacific Time on Thursday, April 27, 2023, at Westamerica Bancorporation, 4550 Mangels Blvd., Fairfield, California as stated in the formal notice accompanying this letter. We hope you will plan to attend.

At the Annual Meeting, the shareholders will be asked to (i) elect eight directors; (ii) approve a non-binding advisory vote on the compensation of our named executive officers; (iii) approve a non-binding advisory vote on the frequency of the advisory vote on the compensation of our named executive officers; (iv) ratify the selection of the independent auditor; and (v) conduct other business that may properly come before the Annual Meeting.

In order to ensure your shares are voted at the Annual Meeting, you can vote through the internet, by telephone or by mail. Instructions regarding internet and telephone voting are included on the Proxy Card. If you elect to vote by mail, please sign, date and return the Proxy Card in the accompanying postage-paid envelope. The Proxy Statement explains more about voting in the section entitled “Voting Information – How You Can Vote.” We look forward to seeing you at the Annual Meeting.

Sincerely,
David L. Payne
Chairman of the Board, President
and Chief Executive Officer

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2023 WESTAMERICA BANCORPORATION PROXY

WESTAMERICA BANCORPORATION
1108 Fifth Avenue
San Rafael, California 94901

NOTICE OF ANNUAL MEETING OF SHAREHOLDERS
Date: Thursday, April 27, 2023
Time: 10:00 a.m. Pacific Time
Place: Westamerica Bancorporation, 4550 Mangels Blvd., Fairfield, California.

Items of Business

1. Elect eight directors to serve until the 2024 Annual Meeting of Shareholders;

2. Approve a non-binding advisory vote on the compensation of our named executive officers;

3. Approve a non-binding advisory vote on the frequency of the advisory vote on the compensation of our named executive officers;

4. Ratify selection of independent auditor; and

5. Conduct other business that may properly come before the Annual Meeting and any adjournments or postponements.

Management’s eight nominees are listed and described in the attached proxy statement.

Who Can Vote?
Shareholders of record at the close of business on March 6, 2023, are entitled to notice of, and to vote at, the Annual Meeting or any postponement or adjournment thereof.

Admission to the Annual Meeting
No ticket will be necessary for admission to the Annual Meeting. However, to facilitate the admission process, Shareholders of record planning to attend the Annual Meeting should check the appropriate box on the Proxy Card.

Your name will be added to a list of attendees. If you hold shares through an intermediary, such as a bank or broker, you may need to register at the desk in the lobby. Please bring the following as evidence of ownership: 1) a legal proxy, or your brokerage statement dated on or after March 6, 2023, evidencing your ownership on March 6, 2023, the record date; and 2) photo identification.

Annual Report
Westamerica Bancorporation’s Annual Report on Form 10-K (“Annual Report”) to shareholders for the fiscal year ended December 31, 2022 is enclosed or is available for viewing as indicated on the Shareholder Meeting Notice and on the Company’s website at: www.westamerica.com, under “Shareholders.” The Annual Report contains financial and other information about the activities of Westamerica Bancorporation, but does not constitute a part of the proxy soliciting materials.

BY ORDER OF THE BOARD OF DIRECTORS
Kris Irvine
March 17, 2023 VP/Corporate Secretary
Important notice regarding the availability of proxy materials for the shareholder meeting being held on Thursday, April 27, 2023:

The Proxy Statement and the Annual Report on Form 10-K are available at: www.westamerica.com.

YOUR VOTE IS IMPORTANT

PLEASE COMPLETE, SIGN, DATE AND PROMPTLY RETURN YOUR PROXY, OR VOTE BY TELEPHONE OR ONLINE USING THE PROCEDURES DESCRIBED IN THE PROXY STATEMENT.

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2023 WESTAMERICA BANCORPORATION PROXY

TABLE OF CONTENTS
GENERAL..................................................................................................................................................... 1 Voting Information ...................................................................................................................................................1 Additional Information .............................................................................................................................................3 Stock Ownership.......................................................................................................................................................4 Anti-Hedging and Anti-Pledging Policy...................................................................................................................5 PROPOSAL 1: ELECTION OF DIRECTORS...................................................................................................... 6 Board of Directors ....................................................................................................................................................6 Nominees .................................................................................................................................................................6 Name of Nominees, Principal Occupations, and Qualifications .............................................................................6 Board of Directors and Committees .........................................................................................................................9 Board Diversity Table.............................................................................................................................................12 Director Compensation ...........................................................................................................................................13 Director Compensation Table for Fiscal Year 2022...............................................................................................14 EXECUTIVE COMPENSATION........................................................................................................................... 14 Executive Officers...................................................................................................................................................14 Compensation Discussion and Analysis.................................................................................................................15 Employee Benefits Compensation Committee Report...........................................................................................25 Compensation Committee Interlocks and Insider Participation .............................................................................25 Summary Compensation.........................................................................................................................................26 Summary Compensation Table for Fiscal Year 2022 ............................................................................................26 Pay Versus Performance .........................................................................................................................................26 Grants of Plan-Based Awards Table for Fiscal Year 2022.....................................................................................29 Outstanding Equity Awards Table at Fiscal Year End 2022..................................................................................30 Option Exercises and Stock Vested Table for Fiscal Year 2022............................................................................30 Pension Benefits for Fiscal Year 2022....................................................................................................................31 Nonqualified Deferred Compensation Table for Fiscal Year 2022........................................................................31 Potential Payments Upon Termination or Change in Control................................................................................32 Certain Relationships and Related Party Transactions ..........................................................................................33 PROPOSAL 2: APPROVE A NON-BINDING ADVISORY VOTE ON THE COMPENSATION OF OUR NAMED EXECUTIVE OFFICERS...................................................................................................33 PROPOSAL 3: APPROVE A NON-BINDING ADVISORY VOTE ON THE FREQUENCY OF THE ADVISORY VOTE ON COMPENSATION OF OUR NAMED EXECUTIVE OFFICERS ................34 PROPOSAL 4: RATIFY SELECTION OF INDEPENDENT AUDITOR......................................................35 AUDIT COMMITTEE REPORT............................................................................................................................36 SHAREHOLDER PROPOSAL GUIDELINES.....................................................................................................37 SHAREHOLDER COMMUNICATION TO BOARD OF DIRECTORS..........................................................38 OTHER MATTERS...................................................................................................................................................38 EXHIBIT A – EMPLOYEE BENEFITS/COMPENSATION COMMITTEE CHARTER.....................................A-1

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2023 WESTAMERICA BANCORPORATION PROXY
1 WESTAMERICA BANCORPORATION
1108 Fifth Avenue
San Rafael, California 94901
___________

PROXY STATEMENT
March 17, 2023
___________

GENERAL
The Westamerica Board of Directors is soliciting proxies to be used at the 2023 Annual Meeting of Shareholders of Westamerica Bancorporation (the “Company”), which will be held at 10:00 a.m. Pacific Time, Thursday, April 27, 2023, or at any adjournment or postponement of the Annual Meeting (collectively, the “Annual Meeting”). The Board of Directors is soliciting proxies to give all shareholders an opportunity to vote on matters to be presented at the Annual Meeting. In the following pages of this Proxy Statement you will find information on matters to be voted at the Annual Meeting.

Voting Information
Internet Availability of Proxy Materials. We are providing proxy materials to our shareholders primarily via the internet, instead of mailing printed copies of those materials to each shareholder. By doing so, we save costs and reduce the environmental impact of our Annual Meeting. On or about March 17, 2023, we mailed a Notice of Internet Availability of Proxy Materials (“Notice”) to certain of our shareholders. The Notice contains instructions about how to access our proxy materials and vote online or vote by telephone. If you would like to receive a paper copy of our proxy materials, please follow the instructions included in the Notice. If you previously chose to receive our proxy materials electronically, you will continue to receive access to these materials via email unless you elect otherwise.

Proof of Ownership May Be Required for Attending Annual Meeting in Person. You are entitled to attend the Annual Meeting only if you are a shareholder as of the close of business on March 6, 2023, the record date, or hold a valid proxy for the meeting. In order to be admitted to the Annual Meeting, the Company reserves the right to request proof of ownership of Westamerica Bancorporation common stock on the record date. This can be:
 a brokerage statement or letter from a bank or broker indicating ownership on March 6, 2023;  the Notice of Internet Availability of Proxy Materials;  a printout of proxy distribution email (if you received your materials electronically);  a Proxy Card;
 a voting instruction form; or
 a legal proxy provided by your broker, bank or nominee.

Any holder of a proxy from a shareholder must present the Proxy Card properly executed, and a copy of the proof of ownership. The Company reserves the right to ask shareholders and proxy holders to present a form of photo identification such as a driver’s license.

Proxy Card. The proxies will vote the shares represented by proxies at the Annual Meeting. If you sign, date and return your Proxy Card but do not specify how to vote your shares, the proxies will vote FOR the election of all of the Director nominees, FOR approval of the advisory vote on the compensation of our named executive officers, for EVERY ONE YEAR on the frequency of the advisory vote on the compensation of our named executive officers, and FOR ratifying the selection of independent auditor. The proxies will also have discretionary authority to vote in accordance with their judgment on any other matter that may properly come before the Annual Meeting that we did

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2 not have notice of by February 1, 2023. Management is not aware of any other business to come before the Annual Meeting, and as of the date of this proxy statement, no shareholder has submitted to management any proposal to be acted upon at the Annual Meeting.

Quorum and Shares Outstanding. A quorum, which is a majority of the total shares outstanding as of the record date, must be present to hold the Annual Meeting. A quorum is calculated based on the number of shares represented by shareholders attending in person or by proxy. On March 6, 2023, 26,918,002 shares of Westamerica Bancorporation common stock were outstanding. We also count broker non-votes, which we describe below, as shares present or represented at the Annual Meeting for the purpose of determining whether a quorum exists.

Election of Director Nominees. Each share is entitled to one vote, except in the election of Directors where a shareholder may cumulate votes as to candidates nominated prior to voting, but only if a shareholder gives notice of intent to cumulate votes prior to the voting at the Annual Meeting. If any shareholder gives such notice, all shareholders may cumulate their votes for nominees. Under cumulative voting, each share carries as many votes as the number of directors to be elected, and the shareholder may cast all of such votes for a single nominee or distribute them in any manner among as many nominees as desired. This Proxy Statement solicits the discretionary authority to cumulate votes and allocate them in the proxy holders’ discretion if any shareholder requests cumulative voting.

In the election of directors, the eight nominees receiving the highest number of votes will be elected. If your proxy is marked “Withhold” with regard to the election of any nominee, your shares will be counted toward a quorum and for other nominees but they will not be voted for the election of that nominee.

Vote Required; Effect of Abstentions and Broker Non-Votes. The shares of a shareholder whose proxy on any or all proposals is marked as “Abstain” will be included in the number of shares present at the Annual Meeting to determine whether a quorum is present. If you are the beneficial holder of shares held by a broker or other custodian, you may instruct your broker how to vote your shares through the voting instruction provided by your broker or other custodian. If you wish to vote the shares you own beneficially at the meeting in person, you must first request and obtain a legal proxy from your broker or other custodian. If you choose not to provide instructions or a legal proxy, your shares are referred to as “uninstructed shares.” Whether your broker or custodian has the discretion to vote these shares on your behalf depends on the proposal. Brokers and custodians cannot vote uninstructed shares on your behalf in the election of directors or the advisory votes on executive compensation. For your vote to be counted on these matters, you must submit your voting instruction form to your broker or custodian.

The following table summarizes the votes required for passage of each proposal and the effect of abstentions and uninstructed shares held by brokers:

Proposal
Number Proposal
Votes Required for
Approval Abstentions Uninstructed Shares
Board Vote
Recommendation
1 Election of directors
Eight nominees
receiving the
most votes Not voted Not voted FOR
2 Advisory vote on executive
compensation "Say on Pay"
Majority of
shares voted Not voted Not voted FOR
3 Advisory vote on the frequency
of "Say on Pay"
Majority of
shares voted Not voted Not voted EVERY ONE YEAR
4 Ratification of independent
auditor
Majority of
shares voted Not voted
Broker
discretionary vote FOR
Votes in favor of Proposals 2 and 4 must also constitute a majority of the required quorum for the meeting. If votes in favor are less than a majority of the required quorum, abstentions and non-votes would have the effect of a vote against the proposal.

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3 How You Can Vote. Your vote is very important and we hope that you will attend the Annual Meeting. However, whether or not you plan to attend the Annual Meeting, please vote by proxy.

Registered Holders. If your shares are registered directly in your name with the Company’s transfer agent, Computershare Investor Services, LLC, you are considered a registered holder of those shares. Please vote by proxy in accordance with the instructions on your Proxy Card, or the instruction you received by email.

A registered holder can vote in one of the following four ways:
 Via the Internet. Go to the website noted on your Proxy Card in order to vote via the internet. Internet voting is available 24 hours a day. We encourage you to vote via the internet, as it is the most costeffective way to vote. When voting via the internet, you do not need to return your Proxy Card.  By Telephone. Call the toll-free telephone number indicated on your Proxy Card and follow the voice prompt instructions to vote by telephone. Telephone voting is available 24 hours a day. When voting by telephone, you do not need to return your Proxy Card.
 By Mail. Mark your Proxy Card, sign and date it, and return it in the enclosed postage-paid envelope. If you elected to electronically access the Proxy Statement and Annual Report, you will not be receiving a Proxy Card and must vote via the internet or by telephone.  In person. You may vote your shares at the Annual Meeting if you attend in person, even if you previously submitted a Proxy Card or voted via internet or telephone. Whether or not you plan to attend the Annual Meeting, however, we strongly encourage you to vote your shares by proxy before the meeting.

Beneficial Shareholders. If your shares are held in a brokerage account in the name of your bank, broker, or other holder of record (“beneficial holder” or “street name”), you are not a registered holder, but rather are considered a beneficial holder of those shares. Your bank, broker, or other holder of record will send you instructions on how to vote your shares. If you are a beneficial holder, you must obtain a legal proxy, executed in your favor, from the holder of record to be able to vote in person at the Annual Meeting.

Voting Deadlines. Shareholders voting by telephone or internet must vote by 12:01 a.m. Central Time, on April 27, 2023 to ensure that their vote is counted. If you are a participant in the Westamerica Bancorporation Tax Deferred Savings/Retirement Plan (ESOP), however, your vote must be received by 11:59 p.m. Central Time, on April 24, 2023.

Revocation of Proxy. Registered holders who vote by proxy, whether by telephone, internet or mail, may revoke that proxy at any time before it is voted at the Annual Meeting. You may do this by: (a) signing another Proxy Card with a later date and delivering it to us prior to the Annual Meeting or sending a notice of revocation to the Corporate Secretary of Westamerica at 1108 Fifth Avenue, San Rafael, CA 94901; (b) voting at a later time by telephone or on the internet prior to 12:01 a.m. Central Time, on April 27, 2023 (prior to 11:59 p.m. Central Time, on April 24, 2023 for ESOP participants); or (c) attending the Annual Meeting in person and casting a ballot. If you are a beneficial holder, you may change your vote by submitting new voting instructions to your broker or other nominee.

Additional Information
Householding. As permitted by the Securities Exchange Act of 1934 (the “Exchange Act”) only one envelope containing two or more Notices of Internet Availability of Proxy Materials is being delivered to shareholders residing at the same address, unless such shareholders have notified their bank, broker, Computershare Investor Services, or other holder of record that they wish to receive separate mailings. If you are a beneficial holder and own your shares in street name, contact your broker, bank or other holder of record to discontinue householding

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2023 WESTAMERICA BANCORPORATION PROXY
4 and receive your own separate copy of the Notice in future years. If you are a registered holder and own your shares through Computershare Investor Services, contact Computershare toll-free at 877-588-4258 or in writing directed to Computershare Investor Services, 150 Royall Street, Suite 101, Canton, MA 02021 to discontinue householding and receive multiple Notices in future years. To receive an additional Annual Report or Proxy Statement this year, contact Shareholder Relations at 707-863-6992 or follow the instructions on the Notice.

Mailing of dividends, dividend reinvestment statements, and special notices will not be affected by your election to discontinue duplicate mailings of the Notice.

Electronic Access to Proxy Materials and Annual Reports. Whether you received the Notice of Internet Availability of Proxy Materials or paper copies of proxy materials, this Proxy Statement and the 2022 Annual Report are available on the Company’s website at: www.westamerica.com. If you hold your Westamerica Bancorporation common stock in street name through a broker, a bank or other nominee, you may have the option of securing your Proxy Statement and Annual Report via the internet. If you vote this year’s proxy electronically, you may also elect to receive future Proxy Statements, Annual Reports and other materials electronically by following the instructions given by your bank, broker, or other holder of record when you vote. Our website is available for information purposes only and should not be relied upon for investment purposes, nor is it incorporated by reference into this Proxy Statement.

Stock Ownership
Security Ownership of Certain Beneficial Holders. The following table sets forth information regarding shareholders beneficially holding more than 5% of Westamerica Bancorporation common stock outstanding as of December 31, 2022, based on information available to the Company, including filings made with the SEC.

Name and Address of Beneficial Owner Title of Class
Number of Shares
Beneficially Owned Percent of Class
BlackRock, Inc.
55 East 52nd Street, New York, NY 10055 Common 3,803,079 (1) 14.13% The Vanguard Group, Inc.
100 Vanguard Boulevard, Malvern, PA 19355 Common 3,397,651 (2) 12.62% (1) The Schedule 13G filed with the SEC on January 24, 2023, disclosed that the reporting entity, BlackRock, Inc., held sole voting power over 3,759,258 shares and sole dispositive power over 3,803,079 shares. (2) The Schedule 13G filed with the SEC on February 9, 2023, disclosed that the reporting entity, The Vanguard Group, Inc., held shared voting power over 29,515 shares, sole dispositive power over 3,342,144 and shared dispositive power over 55,507 shares.

Security Ownership of Directors and Management. The following table shows the number of common shares and the percentage of the common shares beneficially owned (as defined below) by each of the current Directors, by the Chief Executive Officer (“CEO”), by the Chief Financial Officer (“CFO”), by the three other most highly compensated executive officers, and by all Directors and Officers of the Company as a group as of March 6, 2023.

As of March 6, 2023, there were 26,918,002 outstanding shares of Westamerica Bancorporation’s common stock.

For the purpose of the disclosure of ownership of shares by Directors and officers below, shares are considered to be beneficially owned if a person, directly or indirectly, has or shares the power to vote or direct the voting of the shares, the power to dispose of or direct the disposition of the shares, or the right to acquire beneficial ownership of shares within 60 days of December 31, 2022.

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2023 WESTAMERICA BANCORPORATION PROXY
5 Name and Address**
Sole Voting
and
Investment
Power
Shared Voting
and Investment
Power
Right to Acquire
Within 60 days of
December 31, 2022 Total(1)
Percent of
Class(2)
E. Joseph Bowler - 25,887 (3) - 25,887 0.1%
Melanie Martella Chiesa - - - - *
Catherine Cope MacMillan 6,400 (4) - - 6,400 *
Michele Hassid 358 - - 358 *
Ronald A. Nelson 44,000 - - 44,000 0.2%
David L. Payne 1,453 (5) 885,570 (6) - 887,023 3.3%
Edward B. Sylvester 57,490 - - 57,490 0.2%
Inez Wondeh - - - - *
Jesse Leavitt 1 441 13,000 13,442 *
John "Robert" A. Thorson - 14,998 (7) 87,899 102,897 0.4% Brian Donohoe 752 1,194 45,200 47,146 0.2%
Russell W. Rizzardi - - - - *
All 12 Directors and
Officers as a Group 110,454 928,090 146,099 1,184,643 4.4% Amount And Nature Of Beneficial Ownership

* Indicates beneficial ownership of less than one-tenth of one percent (0.1%) of the Company’s common shares. ** The address of all persons listed is 1108 Fifth Avenue, San Rafael, CA 94901. (1) None of the shares held by the Directors and Officers listed above have been pledged. (2) In calculating the percentage of ownership, all shares which the identified person or persons have the right to acquire by exercise of options are deemed to be outstanding for the purpose of computing the percentage of the class owned by such person, but are not deemed to be outstanding for the purpose of computing the percentage of the class owned by any other person. (3) Shares held in trust as to which Mr. Bowler is co-trustee with shared voting and investment power. (4) Includes 6,000 shares held in a trust as to which Ms. MacMillan is trustee and 400 shares held in trust under the California Uniform Gift to Minors Act as to which Ms. MacMillan is custodian. (5) Includes 462 shares held in a trust under the California Uniform Gift to Minors Act as to which Mr. Payne is custodian. (6) Includes 528,837 shares owned by Gibson Radio and Publishing Company, of which Mr. Payne is President and CEO, as to which Mr.

Payne disclaims beneficial ownership, and 345,808 shares held in a trust as to which Mr. Payne is co-trustee with shared voting and investment power.
(7) Includes 13,799 shares held in a trust as to which Mr. Thorson is co-trustee with shared voting and investment power.

Delinquent Section 16(a) Reports
Section 16(a) of the Securities and Exchange Act requires the Company’s directors, executive officers, and persons who own more than ten percent of the Company’s common stock to file with the SEC initial reports of ownership, reports of changes in ownership of common stock of the Company, and to furnish the Company with copies of all Section 16(a) reports they file. Based solely upon a review of such reports and written representations that no other reports were required, the Company believes that all reports required by Section 16(a) of the Exchange Act to be filed by its executive officers and directors during the last fiscal year were filed on a timely basis except that Mr. Rizzardi failed to file two Form 4s on a timely basis, each reporting one transaction.

Anti-Hedging and Anti-Pledging Policy
The Company’s Insider Trading and Stock Hedging Policy prohibits our directors, executive officers, and other employees with access to material non-public information from engaging in transactions, that hedge or offset, or are designed to hedge or offset, any decrease in the market value of Company securities in which they have an economic interest. Prohibited transactions include but are not limited to: (1) selling short any Company common stock; and (2) buying or selling puts or calls or other derivatives on Company securities, or otherwise entering into any hedging arrangements involving Company securities.

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2023 WESTAMERICA BANCORPORATION PROXY
6 PROPOSAL 1 – ELECTION OF DIRECTORS
Board of Directors
The Board has nominated eight candidates for election as Directors at the Annual Meeting to hold office until the next Annual Meeting or until their successors are elected and qualified. The proxies will vote for the eight nominees named below unless you give different voting instructions on your Proxy Card. Each nominee is presently a Director of the Company and has consented to serve a new term. The Board does not anticipate that any of the nominees will be unavailable to serve as a Director, but if that should occur before the Annual Meeting, the Board reserves the right to substitute another person as nominee. The proxies will vote for any substitute nominated by the Board of Directors. The proxies may use their discretion to cumulate votes for election of Directors and cast all of such votes for any one or more of the nominees, to the exclusion of the others, and in such order of preference as they may determine at their discretion.

Nominees
The nominees for election as Directors are named and certain information with respect to them is given below.

Our nominees are seasoned leaders who bring to the Board an array of financial services, public and private company, non-profit, and other business experience. As a group they possess experience in leadership, consumer banking, commercial and small business banking, investment banking, capital markets, financial advisory services, finance and accounting, risk management and real estate. Many of the Board Members have seen the Company through a variety of economic conditions. The information below has been furnished to the Company by the respective nominees. All of the nominees have engaged in their indicated principal occupation for more than five years, unless otherwise indicated and no nominee has served on the Board of Directors of another public company during the past five years. Each nominee is a current director of both the Company and its subsidiary, Westamerica Bank.

Name of Nominees, Principal Occupations, and Qualifications E. Joseph Bowler – Director since 2003
E. Joseph Bowler (86) retired as Senior Vice President and Treasurer of the Company in 2002. He currently serves as a member of the Audit Committee and the Loan and Investment Committee. Mr. Bowler holds a Masters of Business Administration from Stanford University.

With many years of direct banking experience, Mr. Bowler brings strong financial and investment expertise important to the oversight of our financial reporting and interest rate risk management. In addition, Mr. Bowler’s experience as a director and trustee of various non-profit community and educational organizations brings strategic planning and corporate governance skills to the Board.

Melanie Martella Chiesa – Director since 2020
Melanie Martella Chiesa (56) is an optometrist in private practice at Monte Vista Optometry in Turlock, California.

Dr. Martella Chiesa is a member of the Employee Benefits and Compensation Committee and Loan and Investment Committee.

Dr. Martella Chiesa is a lifelong resident of Hughson, California where she is a partner in her family’s walnut and almond farming operations. She is an owner and board member of Martella Farms, Inc., Ag Commodities, Grower Direct Nut, Inc., ARK Development and Nutty Gourmet Nut Company. Dr. Martella Chiesa is a graduate of the University of California, Berkeley, where she received her Doctor of Optometry degree. Dr. Martella Chiesa also received Bachelor of Science degrees in food science and nutrition, functional biology and visual sciences.

Dr. Martella Chiesa is passionate about local community and philanthropy. She, along with her husband, founded the

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Livingston City CouncilSeptember 19, 2023

Livingston City Council
September 19, 2023