Common use of Business and Other Non-Personal Accounts Clause in Contracts

Business and Other Non-Personal Accounts. The provisions in this Electronic Fund Transfers section dealing with “Our Liability for Failing to Make Transfers,” “Your Liability for Unauthorized Electronic Fund Transfers,” and “In Case of Errors or Questions About Your Electronic Transfers” (and related provisions on the back of periodic statements) do not apply to business or other non- personal accounts. You should notify us immediately if you discover any unauthorized transactions or errors involving your Card or account. You must send us a written notice of the problem within a reasonable time, not to exceed fourteen (14) days from the date of discovery or your receipt of the first statement or notice reflecting the problem, whichever occurs first. You are liable for all unauthorized transactions made with your Card or the PIN associated with your Card that occur prior to the time you notify us to cancel your Card, that an unauthorized transaction has taken place, or that your Card or PIN has been lost or stolen. There is one exception to this liability: Under the Visa Rules, you will not be liable for unauthorized transactions conducted with a Visa debit Card, provided you were not grossly negligent or fraudulent in the handling of your Card or account and you notify us within a reasonable time of becoming aware of such loss or theft. This exception does not apply to Visa Corporate Cards or Visa Purchasing Cards. It is important that your review your statements closely. If you fail to notify us of unauthorized transactions within sixty (60) days after the first statement or report showing unauthorized activity was sent or made available to you, you will be liable for unauthorized transactions that occur after the sixty (60) day period has elapsed. Business Card transactions are not considered unauthorized if they are made by a business co-owner or any other person with an interest in or authority to transact business on your account, even if the person exceeds any authority given by you.

Business and Other Non-Personal Accounts. The provisions in this Electronic Fund Funds Transfers section dealing with “Our Liability for Failing to Make TransfersLiability,” “Your Liability for Unauthorized Electronic Fund TransfersLiability,” and “In Case of Errors or Questions About Your Electronic TransfersError Resolution” (and related provisions on the back of periodic statements) do not apply to business or other non- personal accounts. You should notify us immediately if you discover any unauthorized transactions or errors involving your Card or account. You must send us a written notice of the problem within a reasonable time, not to exceed fourteen (14) 14 days from the date of discovery or your receipt of the first statement or notice reflecting the problem, whichever occurs first. You are liable for all unauthorized transactions made with your Check Card or the PIN associated with your Card that occur prior to the time you notify us to cancel your Card, that an unauthorized transaction has taken place, or that your Card or PIN has been lost or stolen. There is one exception to this liability: Under the Visa Rules, Unless you will not be liable for unauthorized transactions conducted with a Visa debit Card, provided you were not are grossly negligent or fraudulent in the handling of your Check Card or account and account, you notify us within a reasonable time of becoming aware of such loss or theft. This exception does will not apply to be liable for unauthorized signature-based Check Card transactions processed through the Visa Corporate Cards or Visa Purchasing Cardsnetwork. It is important that your you review your statements closely, however. If you fail to notify us of unauthorized transactions within sixty (60) 60 days after of the date of the first statement or report showing unauthorized activity was sent or made available to youactivity, you will be liable for unauthorized transactions that occur after the sixty (60) -day period has elapsedperiod. Business Check Card transactions are not considered unauthorized if they are made by a business co-owner or any other person with an interest in or authority to transact business on your account, even if the person exceeds any authority given by youyou.‌‌ Under the ACH operating rules, certain types of ACH debit entries may only be presented on a consumer account. We have no obligation to pay, and no liability for paying, any consumer ACH debit entry on a business account. For ACH transactions, the Bank can return any non-consumer ACH debit entry as unauthorized until midnight of the business day following the business day the Bank posts the entry to your account under ACH rules. In order for the Bank to meet this deadline, you must notify us to return any non-consumer ACH debit entry as unauthorized by the cutoff time. The return cutoff time is currently 3:00 p.m. PST of the business day following the business day the Bank posts the ACH debit entry. If you do not notify us in a timely manner of the unauthorized non-consumer ACH debit entry, we will not be able to return it without the cooperation and agreement of the originating bank and the originator of the debit entry. Any other effort to recover the funds must occur solely between you and the originator of the entry. You May Direct Letters To: East West Bank Branch Operations – Customer Support P.O. Box 927 Alhambra, CA 91802-0927 During Business Hours You May Direct Calls To: Customer Service Center at (000) 000-0000 For questions or to report errors regarding online funds transfers and Bill Payment services, please email us at: xxxx0xx@xxxxxxxxxxxx.xxx. Business Days Our business days are Monday through Friday, excluding holidays. All transfers completed after the “cut-off time” on a business day, or on a Saturday, Sunday or banking holiday, may be posted on the next business day.

Business and Other Non-Personal Accounts. The provisions in this Electronic Fund Transfers section dealing with “Our Liability for Failing to Make Transfers,” “Your Liability for Unauthorized Electronic Fund Transfers,” and “In Case of Errors or Questions About Your Electronic Fund Transfers” (and related provisions on the back of periodic statements) do not apply to business or other non- non-personal accountsaccounts . Under no circumstances will we be liable for any special or consequential damages involving such accounts . You should notify us immediately if you discover any unauthorized transactions or errors involving your Card or accountaccount . You must send confirm any verbal notice by sending us a written notice of the problem within a reasonable time, not to exceed fourteen (14) 14 days from the date of discovery or your receipt of the first statement or notice reflecting the problem, whichever occurs firstfirst . You are liable for all unauthorized transactions made with your Card or the PIN associated with your Card that occur prior to the time you notify us to cancel your Card, that an unauthorized transaction has taken place, or that your Card or PIN has been lost or stolen. There is one exception to this liability: Under the Visa Rules, you will not be liable for unauthorized transactions conducted with a Visa debit Card, provided you were not grossly negligent or fraudulent in the handling of your Card or account and you notify us within a reasonable time of becoming aware of such loss or theft. This exception does not apply to Visa Corporate Cards or Visa Purchasing Cards. It is important that your review your statements closely. If you fail to notify us of unauthorized transactions within sixty (60) days after the first statement or report showing unauthorized activity was sent or made available to you, you will be liable for unauthorized transactions that occur after the sixty (60) day period has elapsed. Business Card transactions are not considered unauthorized if they are made by a business co-owner or any other person with an interest in or authority to transact business on your account, even if the person exceeds any authority given by youyou . How to Stop Preauthorized Transfers from Your Account . If you have told us in advance to make regular payments out of your account, you can stop any of these payments by contacting your local First Bank office at the phone number or address shown on your periodic statement . We must receive your request at least three banking days before the payment is scheduled to be made . If you fail to give us your request at least three banking days prior to a transfer, we may attempt, at our sole discretion, to stop the payment . We assume no responsibility for our failure or refusal to do so, however, even if we accept the request for processing . If you call, we may require you to put your request in writing to us and to provide us with a copy of your notice to the payee, revoking the payee’s authority to originate debits to your account, within 14 days after you call . If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your account . For individual payments, your request should specify the exact amount (dollars and cents) of the transfer you want to stop, the date of the transfer, and the identity of the payee . Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your stop payment order as a request concerning the one transfer only . If you order us to stop one of these payments at least three banking days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages . Lost or Stolen PIN or Password. If you believe your Personal Identification Number or Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us or write us at the phone number or address shown on your periodic statement . You should also call the number or write to the address if you believe a transfer has been made using the information from your check without your permission .

Business and Other Non-Personal Accounts. The provisions in this Electronic Fund Funds Transfers section dealing with “Our Liability for Failing to Make TransfersLiability,” “Your Liability for Unauthorized Electronic Fund TransfersLiability,” and “In Case of Errors or Questions About Your Electronic TransfersError Resolution” (and related provisions on the back of periodic statements) do not apply to business or other non- personal accounts. You should notify us immediately if you discover any unauthorized transactions or errors involving your Card or account. You must send us a written notice of the problem within a reasonable time, not to exceed fourteen (14) 14 days from the date of discovery or your receipt of the first statement or notice reflecting the problem, whichever occurs first. You are liable for all unauthorized transactions made with your Check Card or the PIN associated with your Card that occur prior to the time you notify us to cancel your Card, that an unauthorized transaction has taken place, or that your Card or PIN has been lost or stolen. There is one exception to this liability: Under the Visa Rules, Unless you will not be liable for unauthorized transactions conducted with a Visa debit Card, provided you were not are grossly negligent or fraudulent in the handling of your Check Card or account and account, you notify us within a reasonable time of becoming aware of such loss or theft. This exception does will not apply to be liable for unauthorized signature-based Check Card transactions processed through the Visa Corporate Cards or Visa Purchasing Cardsnetwork. It is important that your you review your statements closely, however. If you fail to notify us of unauthorized transactions within sixty (60) 60 days after of the date of the first statement or report showing unauthorized activity was sent or made available to youactivity, you will be liable for unauthorized transactions that occur after the sixty (60) -day period has elapsedperiod. Business Check Card transactions are not considered unauthorized if they are made by a business co-owner or any other person with an interest in or authority to transact business on your account, even if the person exceeds any authority given by you. You May Direct Letters To: East West Bank Branch Operations Department 0000 Xxxxx Xxxxx, 0xx Xxxxx El Monte, CA 91731 During Business Hours You May Direct Calls To: Customer Service Center at (000) 000-0000 For questions or to report errors regarding online funds transfers and Bill Payment services, please e-mail us at: xxxxxx@xxxxxxxxxxxx.xxx Business Days Our business days are Monday through Friday, excluding holidays. All transfers completed after the “cut-off time” on a business day, or on a Saturday, Sunday or banking holiday, may be posted on the next business day.

Business and Other Non-Personal Accounts. The provisions in this Electronic Fund Transfers section dealing with “"Our Liability for Failing to Make Transfers,” “" "Your Liability for Unauthorized Electronic Fund Transfers,” " and “"In Case of Errors or Questions About Your Electronic Fund Transfers” " (and related provisions on the back of periodic statements) do not apply to business or other non- non-personal accounts. You should notify us immediately if you discover any unauthorized transactions or errors involving your Card or account. You must send us a written notice of the problem within a reasonable time, not to exceed fourteen (14) 14 days from the date of discovery or your receipt of the first statement or notice reflecting the problem, whichever occurs first. You are liable for all unauthorized transactions made with your Card or the PIN associated with your Card that occur prior to the time you notify us to cancel your Card, that an unauthorized transaction has taken place, or that your Card or PIN has been lost or stolen. There Depending on whether your Card is a Visa Debit Card, there may be one exception to this liability: Under the Visa Rules, you will not be liable for unauthorized transactions conducted with a Visa debit Debit Card, provided you were not grossly negligent or fraudulent in the handling of your Card or account and you notify us within a reasonable time two days of becoming aware of such loss or theft. This exception does not apply to Visa Corporate Cards or Visa Purchasing Cards. It is still important that your you review your statements closely, however. If your statement shows transactions you did not make, contact us at once. Notwithstanding the exception(s) to liability described above, if you fail to notify us of unauthorized transactions within sixty (60) 60 days after the first statement or report showing unauthorized activity was sent or made available to you, you will be liable for unauthorized transactions that occur after the sixty (60) -day period has elapsedperiod. Business Card transactions are not considered unauthorized if they are made by a business co-owner or any other person with an interest in or authority to transact business on your account, even if the person exceeds any authority given by you. Under no circumstances will we be liable for any special or consequential damages involving such accounts. How to Stop Preauthorized Transfers From Your Account. If you have told us in advance to make regular payments out of your account, you can stop any of these payments by writing to us at: Bank of Hope, 0000 X. Xxxxxxx Xxxxx Xxxx. Xxxxx 000, Xxxxxxx XX 00000, or by calling us at 1-888- 000-0000. You can also contact one of our branches near you. We must receive your request at least three business days before the payment is scheduled to be made. (Note: If you fail to give us your request at least three business days prior to a transfer, we may attempt, at our sole discretion, to stop the payment. We assume no responsibility for our failure or refusal to do so, however, even if we accept the request for processing.) If you call, we may require you to put your request in writing to us and to provide us with a copy of your notice to the payee, revoking the payee's authority to originate debits to your account, within 14 days after you call. If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your account. For individual payments, your request should specify the exact amount (dollars and cents) of the transfer you want to stop, the date of the transfer, and the identity of the payee. Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your stop payment order as a request concerning the one transfer only. We may impose a fee for your stop payment order request. If you order us to stop one of these payments at least three business days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages. In Case of Errors or Questions About Your Electronic Fund Transfers (For Personal and Non-business Accounts Only). Call or write to us at the telephone number/address described above as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Business and Other Non-Personal Accounts. The provisions in this Electronic Fund Transfers section dealing with “Our Liability for Failing to Make Transfers,” “Your Liability for Unauthorized Electronic Fund Transfers,” and “In Case of Errors or Questions About Your Electronic Transfers” (and related provisions on the back of periodic statements) do not apply to business or other non- personal accounts. You should notify us immediately if you discover any unauthorized transactions or errors involving your Card or account. You must send us a written notice of the problem within a reasonable time, not to exceed fourteen (14) days from the date of discovery or your receipt of the first statement or notice reflecting the problem, whichever occurs first. You are liable for all unauthorized transactions made with your Card or the PIN associated with your Card that occur prior to the time you notify us to cancel your Card, that an unauthorized un- authorized transaction has taken place, or that your Card or PIN has been lost or stolen. There is one exception to this liability: Under the Visa Rules, you will not be liable for unauthorized un- authorized transactions conducted with a Visa debit Card, provided you were not grossly negligent or fraudulent in the handling of your Card or account and you notify us within a reasonable time of becoming aware of such loss or theft. This exception does not apply to Visa Corporate Cards or Visa Purchasing Cards. It is important that your review your statements state- ments closely. If you fail to notify us of unauthorized transactions within sixty (60) days after af- ter the first statement or report showing unauthorized activity was sent or made available to you, you will be liable for unauthorized transactions that occur after the sixty (60) day period has elapsed. Business Card transactions are not considered unauthorized if they are made by a business co-owner or any other person with an interest in or authority to transact business on your account, even if the person exceeds any authority given by you.