Rev 10/2003

NOTICE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE FROM TIME TO TIME WITHOUT NOTICE.

LIMITATIONS ON USE OF INFORMATION AND SERVICES AND PRODUCTS

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Cathay Bank's web sites and systems including but not limited to unauthorized entry into Cathay Bank's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited.

Information and materials published by Cathay Bank as part of this web site are published in the United States and are intended for persons in the United States. This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Not all products and services are available in all geographic areas. Eligibility for certain products is subject to final determination and acceptance by Cathay Bank or its affiliates. The information, descriptions, and terms and conditions contained in these pages are subject to change. Calculators or planning tools and the Cathay eBanking check register are provided for informational purposes only and are not intended to provide specific legal, accounting, financial, or tax advice for any person and should not be relied upon in that manner.

Investments in securities, mutual funds, annuities and insurance are not bank deposits, are not insured by the FDIC, are not obligations of or guaranteed by Cathay Bank or any of its affiliates, and are subject to investment risks, including possible loss of the principal amount invested.

Foreign currency deposit accounts are subject to exchange risk. Exchange risk occurs when a foreign currency weakens or strengthens in comparison with the U.S. Dollar. The foreign exchange market is inherently volatile and foreign currencies are subject to wide fluctuations in value relative to the U.S. Dollar. The value of the foreign currency in an account relative to the U.S. Dollar at the time of the initial deposit into the account is not necessarily and probably will not be the same as at any other time after such account is opened. If all or any portion of the foreign currency in an account is exchanged for U.S. Dollars, a corresponding gain or loss in the exchange may result due to fluctuations in the foreign currency market.

LINKS

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES. THE CONTENT, ACCURACY, OPINIONS EXPRESSED AND OTHER LINKS PROVIDED BY THESE OTHER WEB SITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY CATHAY BANK. CATHAY BANK HEREBY DISCLAIMS ANY LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, CATHAY BANK DOES NOT ENDORSE OR RECOMMEND OR APPROVE ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS CATHAY BANK LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF CATHAY BANK AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE CATHAY BANK SITE.

NO WARRANTY

THE INFORMATION AND MATERIALS IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS, OR OTHER ITEMS, ARE PROVIDED "AS IS" AND "AS AVAILABLE." THE INFORMATION AND MATERIALS MAY CONTAIN ERRORS, OMISSIONS, PROBLEMS, OR OTHER LIMITATIONS AND CATHAY BANK EXPRESSLY DISCLAIMS ANY LIABILITY FOR SUCH ERRORS, OMISSIONS, PROBLEMS, OR OTHER LIMITATIONS. CATHAY BANK DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES, OR GUARANTEES WHATSOEVER AS TO THE ACCURACY, ADEQUACY, RELIABILITY, CURRENTNESS, COMPLETENESS, OR SUITABILITY OF SUCH INFORMATION AND MATERIALS OR THEIR APPLICABILITY TO A PARTICULAR SITUATION. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES CONTAINED WITHIN THE ELECTRONIC FILES OF THIS SITE ARE DISCLAIMED.

LIMITATION OF LIABILITY

IN NO EVENT WILL CATHAY BANK BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ITS USE OR INABILITY TO BE USED BY ANY PARTY, IN CONNECTION WITH ANY LINKED SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY EVEN IF CATHAY BANK OR ITS REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

COPYRIGHT ©2008 by Cathay Bank. ALL RIGHTS RESERVED.

All the text, graphics, audio, design, code, software, and other works in the pages and the screens displaying the pages, and in the information and material and their arrangement included in this site, are owned by Cathay Bank unless otherwise indicated. Any redistribution or reproduction of any content of this site is strictly prohibited.

TRADEMARKS

The name and mark of Cathay Bank, in English words and in Chinese characters, are trademarks and service marks of Cathay Bank and are used and registered throughout the world. Cathay Bank and its parent company, Cathay General Bancorp and their respective subsidiaries and divisions also claim rights in certain other trademarks and service marks contained in these web pages. All Rights Reserved.