Fees

We encourage you to use your Card immediately. The Bank assesses no fees when using the Card to purchase goods and services within the U.S. You have unlimited free access to balance and transaction information online at www.eastwestbank.com (note: there is no charge for online inquiries; there may be a charge for telephone inquiries). The following fees may apply and will be deducted from the available balance on the Card, except where prohibited or modified by applicable law:

Monthly Card Fee: After the first 6 months following activation of the Card, a $2.50 fee will be charged to your Card each month until the Card expires. This fee will not be charged once the balance on the Card reaches $0.00.

Card Purchase Fee: We may charge a fee of $2.00 when you purchase your Card.

Card Replacement Fee: A $15.00 fee may be charged to your Card if the Card is replaced.

Customer Service Calls: One (1) customer service call per month is included with the Card; each additional call in a monthly statement cycle will be subject to a charge of $0.50.

Early Closure/Check Issuance/Revocation Fee: A $20.00 fee will be charged to your Card if it is cashed out at expiration or any time before (see GIFT CARD EXPIRATION, EARLY CLOSURE, REVOCATION), or escheated according to applicable unclaimed property law. If the remaining balance is less than $20.00, no refund will be issued.

Foreign Transaction Fee: If a Card is used to make a purchase outside the United States, Visa International will convert the local currency amount of the transaction to U.S. Dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is either (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate for the processing date may differ from the rate in effect on the date of the transaction or the date the transaction is charged to the Card's balance. For each purchase transaction in a foreign currency, we may also charge a foreign currency conversion fee, which is based on the amount provided to us by Visa, in U.S. Dollars (the "Network Transaction Amount"). The foreign currency conversion fee is three percent (3%) of the Network Transaction Amount.

Point of Sale Conversion: Some merchants outside the United States offer Cardholders the option of having Card transactions converted to U.S. Dollars by Visa, as described above, or by the merchant itself. If the latter option is chosen, the currency conversion rate is determined by the merchant involved in the transaction, and we do not charge a foreign currency conversion fee for the transaction.

Other fees may apply and will be disclosed when service is provided.