Welcome Valued VectraWorks Members!

YOUR VECTRAWORKS BENEFITS

And don’t forget you can load your Vectra Bank account up with all of these VectraWorks benefits¹!

• $50 cash bonus for opening a Flex Checking, Platinum Relationship Checking, Platinum Plus Relationship or Business Owner Checking Account²
• $25 cash bonus for every loan/credit card that is opened within the first
  90 days of the checking account being opened³
• $400 Credit towards Mortgage closing costs⁴
• Customizable myPHOTOcard®⁵
• Up to $35 credit annually towards a Safe Deposit Box⁶
• First box of checks on us⁷
• Free Visa® Debit Card with Free Rainbow Rewards Program⁸
• Visa Credit Card⁹ with Cash Back or Amazing Rewards and Free
  Rainbow Rewards Program⁸
• Free Internet Banking, Free Bill Pay, Free Online Check Images, Free Mobile Banking¹⁰ and Free eStatements
• Free Vectra Bank, Zion’s Bancorporation affiliates and MoneyPass
  Network ATM transactional fees.

1. VectraWorks Eligibility: VectraWorks participation is available to the employees of Vectra Bank Colorado business customers. Employment or payroll verification may be required at enrollment and upon fulfillment of promotional offers. In order to receive on–going announcements and VectraWorks specials a valid email address is required.

2. $50 Cash Bonus: This offer is available to the primary account holder for new Flex Checking, Platinum Relationship Checking, Platinum Plus Relationship Checking or Business Owner Checking accounts opened between 04/01/2014 and 06/30/2014. To qualify for the bonus customer must: 1) meet VectraWorks eligibility requirements; AND 2) have a debit card; AND 3) enroll in personal internet banking. All requirements must be met within 90 days of checking account opening. Once requirements are met, the bonus will be deposited into the personal checking account within 30 days of satisfying the last offer requirement. In the event of more than one personal checking account being present at the time of offer fulfillment, the bonus will be deposited into the account most recently opened. Limit of one (1) Bonus per customer. Minimum opening deposit required and the bonus cannot be used as the opening deposit. If you close your account within 90 days of account opening, you will be charged a $25 early closure fee. Accounts overdrawn or closed at the time of bonus fulfillment are not eligible for this offer. All tax liabilities, if any, associated with the benefits are the responsibility of the customer, and the customer may receive an IRS form 1099 for the approximate retail value of the benefits.

3. All loans and lines of credit are subject to credit approval. Certain terms, conditions and restrictions apply. $25 Cash Bonus offer is available to the primary account holder for new qualifying checking and credit accounts opened between 04/01/2014 and 06/30/2014. Limit of $75 in additional cash payouts. Mortgage loans and overdraft protection do not qualify for cash bonus. Loans must close within 90 days of the checking account being opened. Only one checking account signer needs to be on the loan/credit card application. Credit card applications with two applicants qualify as one credit card. To qualify for the bonus customer must: 1) meet VectraWorks eligibility requirements; AND 2) have a debit card; AND 3) enroll in personal internet banking. All requirements must be met within 90 days of checking account opening. Once requirements are met, the bonus will be deposited into the personal checking account within 30 days of satisfying the last offer requirement. In the event of more than one personal checking account being present at the time of offer fulfillment, the bonus will be deposited into the account most recently opened. Limit of three (3) bonuses per customer. Checking account requires minimum opening deposit and the bonus cannot be used as the opening deposit. If you close your account within 90 days of account opening, you will be charged a $25 early closure fee. Accounts overdrawn or closed at the time of bonus fulfillment are not eligible for this offer. All tax liabilities, if any, associated with the benefits are the responsibility of the customer, and the customer may receive an IRS form 1099 for the approximate retail value of the benefits.

4. Subject to credit approval. Closing cost discount is only available for home purchases or refinancing through Vectra Residential Lending Group and will be in the form of a lender credit.

5. First image is free with myPHOTOcard®. Subsequent images are $5.00.

6. Up to $35 credit towards Safe Deposit Box lease annually. Waiver amount is subject to box size and availability. Annual waiver will continue as long as the client is enrolled within the Vectra Works program.

7. Complimentary Checks: VectraWorks participants that open a personal checking account will receive one (1) complimentary box of checks and only be assessed the $5.95 processing fee.

8. Rainbow Rewards is not affiliated with Vectra Bank and is solely responsible for the Rewards Program. Cash back percentage varies by merchant. See rainbowrewards.com

9. Credit Cards subject to credit approval. Certain terms, conditions, and limitations apply.

10. Mobile provider fees may apply. Personal Online Banking required.

11. All credit products are subject to credit approval. Certain terms, conditions and fees apply. See banker for details.