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PROPOSAL FOR BANKING SERVICE <br />BANI{tirEWEST <br />Outside Securities Accounts (BWIS) <br />In accordance with applicable regulatory rules, team members of BancWest <br />Investment Services (BWIS) must disclose all of their outside brokerage accounts in <br />writing to the BWIS Compliance Officer or on the Outside Brokerage Account <br />Questionnaire. In addition, BWIS team members must notify the firm(s) executing <br />their outside brokerage accounts of their association with BWIS. Industry regulations <br />and Bank of the West require that duplicate confirmations and duplicate monthly <br />statements of all outside account(s) be sent to the BWIS Compliance Department. It <br />is the responsibility of BWIS team members to arrange for such duplicate <br />confirmations and statements. <br />The above requirements extend to accounts in the name of BWIS team members' <br />spouses and persons with whom BWIS team members have a financial interest and <br />have discretionary authority. [See BWIS Broker -Dealer Compliance Manual.] <br />Disclosure of Information <br />It is against our policy for a team member to establish a personal, business, financial <br />or other relationship with a customer without Bank of the West's prior knowledge and <br />approval. You must always disclose to Bank of the West information that may affect <br />Bank of the West's position in a credit or other Bank related transaction. <br />Personal Fees, Commissions or Money <br />It is against our policy for a team member to accept, directly or indirectly, personal <br />fees, commissions, or services in connection with customer banking transactions. <br />Such compensation must be politely refused if offered. <br />Gifts or Favors <br />It is improper for team members (including accounts or legal entities in which you <br />control or hold an interest) or your immediate family to accept or give a gift, favor, <br />invitation, gratuity, honoraria or any other item of value (whether physical or non- <br />physical) (e.g. objects, financial income and all types of services including <br />designation as beneficiary of a life insurance policy, bequests or the making <br />available of other benefits), either directly or indirectly, from a customer, supplier or <br />from any other person having or seeking a relationship with Bank of the West. This <br />rule does not apply to (a) food, refreshments, or entertainment at business meals or <br />business meetings, (b) advertising or promotional material of nominal value, (c) <br />awards from charitable organizations, or (d) gifts of nominal value given on special <br />occasions such as year-end holidays. ('Nominal value' would be within your ability to <br />reciprocate on a personal basis or with a legitimate claim to Bank of the West for <br />reimbursement under similar circumstances. Questions regarding 'nominal value,' or <br />gifts in general, should be directed to the Human Resources Compliance Manager.) <br />Accepting such gifts may imply to the team member or the giver of the gift that a <br />reciprocal favor is expected. Gifts of more than nominal value must be politely <br />declined. <br />All cash gifts or other means of payment whatever the circumstances are prohibited <br />and must be politely refused if offered. In addition, both applicable law and our policy <br />prohibit any team members from directly seeking, accepting or receiving anything of <br />9IPage <br />