¹ To qualify for the Velo Gold program, you must be the primary owner of a Global Checking account; and maintain a combined month-end average balance of $100,000 or more in the qualifying consumer deposit accounts you own at East West Bank. Additional terms and conditions apply. Please refer to the Global Checking Terms & Conditions for complete details.

² Velo Gold customers will be automatically assigned a Relationship Manager upon qualifying for the Velo Gold program.

³ Insurance and investment products are:

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Located at: 135 N. Los Robles Ave, Pasadena, CA 91101 Toll-Free 888.978.8617

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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⁴ Waiver of East West Bank's Incoming Wire Fee only. Waiver applies to qualifying Velo Gold customers only.

⁵ Your Monthly Maintenance Fee will be waived if you maintain a $25,000 average balance in your Global Checking account each month, or a $50,000 prior month-end combined average balance in the qualifying consumer deposit accounts you own at East West Bank.

⁶ Debit card international shipping fees may apply. See the East West Bank Fee Schedule for details. Waiver applies to qualifying Velo Gold Customers only.

⁷ There is no charge for using an East West Bank ATM. Additionally, East West Bank will not charge you a fee when you use a non-East West Bank ATM to access funds in your Global Checking account, although non-East West Bank ATM usage fees may be charged to your account at the request of the 3rd party operating the ATM. If this does occur, East West Bank will refund the ATM usages fees to your account each statement cycle. This waiver does not apply to any ATM Non-Sufficient Fund fees that are the result of your Global Checking account being overdrawn by an ATM transaction.

⁸ Your Global Checking account must be funded with a minimum opening deposit of $25,000 or more. Upon receipt of your funding deposit, a $300 Account Opening Fee will be automatically deducted from your account balance. Funding deposits that do not meet the $25,000 minimum are, at the discretion of the Bank, subject to return to the sender. Global Checking accounts that are not funded within 60 days of the date the application was approved and an account number was issued are subject to automatic closure.

Please refer to the Global Checking Account Terms Disclosure received at account opening for additional details.

Availability of the Global Checking account may be limited based on your geographic location.

⁹ During the first 12 months (full or partial) after the initial funding requirement is met, Velo Gold customers will have an opportunity to qualify for up to $300 in Account Opening Fee refunds. For each month during the qualification period where you have maintained a combined month-end average balance of $100,000 or more in the qualifying consumer deposit accounts you own at East West Bank, you’ll receive a $100 Account Opening Fee refund. Maximum refund amount: $300, earned over 3 qualifying months.

¹⁰ Use of East West Bank’s mobile banking application requires a data connection. Wireless carrier charges may apply.

¹¹ A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

For service and account eligibility requirements, refer to the "Zelle Terms of Service" section of the Bank’s Online Banking Agreement.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹² For service and account eligibility requirements, refer to the "Mobile Deposit Service", "Bill Payment Service" and "Transfer Services" sections of the Bank's Online Banking Agreement.