EastWest Horizons Christmas Rewards Promo

1. The EastWest Horizons Christmas Rewards Promo (“Promo”) is a limited-offer acquisition and deposit build-up campaign of EastWest Bank (“EastWest”) for qualified New-to-Bank (“NTB”) individual clients who are onboarded to EastWest Horizons and who meet the required monthly Average Daily Balance (“ADB”) of at least ₱100,000 in fresh funds and complete the required missions. ADB refers to the sum of daily ending balances in a given period divided by the number of days in that period.

2. The Promo shall run from October 19 to December 29, 2026 (“Promo Period”).

3. The Promo is open to NTB individual clients who:

1. are opening their first-ever deposit relationship with EastWest either via EastWest Store or Digital Account during the Promo Period;
2. open an eligible EastWest Regular savings or checking account with a passbook and debit card, or with a debit card only.
3. are onboarded or tagged to EastWest Horizons during the Promo Period; and
4. are at least eighteen (18) years old.

4. To qualify for the Promo, NTB individual clients must meet the following requirements during the Promo Period:

1. complete and sign the official Promo Enrollment Form;
2. deposit at least ₱100,000 into an eligible participating account;
3. maintain the required monthly ADB balance within the Promo Period.

5. The following deposit products, with passbook and debit card or debit card only, are eligible for the Promo:

1. Regular Peso Savings Accounts;
2. Regular Peso Checking Accounts; and
3. Regular USD Savings Accounts.

6. The following accounts are not eligible for the Promo:

1. Super Saver accounts;
2. Super Checking accounts; c. Time Deposit accounts;
3. dormant or restricted accounts;
4. accounts under legal hold or AMLA-related restriction; 
5. . temporary, settlement, or trustee accounts;
6. accounts where the NTB individual client is not the primary account holder; and 
7. Priority Banking accounts.

7. “Fresh Funds” refer to new funds brought into EastWest and shall exclude:

1. transfers from existing EastWest accounts;
2. proceeds from EastWest deposits, time deposits, investments, or bonds; and
3. transfers between EastWest accounts of related parties or accountholders.

8. EastWest may validate the source, ownership, movement, eligibility, and qualification of funds credited to the participating account for purposes of determining Promo eligibility and compliance, subject to applicable laws, regulations, and Bank policies.

9. Qualified NTB individual clients may earn Christmas Rewards in the form of a special deposit interest rate of up to 3.50% p.a. gross ("Christmas Reward"), subject to maintaining a minimum monthly ADB of ₱100,000 and completing the required missions. The applicable missions, corresponding reward rates, and other requirements are set out on the table below. The Christmas Rewards shall be computed only on a maximum qualifying ADB of ₱300,000 per client per month, equivalent to a maximum reward of ₱875.00 gross per month. No Christmas Rewards shall accrue on any portion of the monthly ADB exceeding ₱300,000.

10. The bonus interest rates for completing the required missions shall only be granted to qualified NTB individual clients who meet and maintain a monthly ADB of at least ₱100,000 in eligible deposit products for the applicable qualifying month.

11. Christmas Rewards shall be credited to the qualified NTB individual client’s regular Savings or Current Account within thirty (30) up to sixty (60) banking days from end of each month, subject to twenty percent (20%) withholding tax. Documentary stamp tax shall be shouldered by EastWest.

Sample computation is based on the maximum qualifying balance of ₱300,000 ADB per client per month.

12. For joint accounts, all co-depositors must sign the official Promo Enrollment Form. However, only the primary account holder who is tagged as the EastWest Horizons member, as determined by EastWest’s records, shall be eligible to participate in the Promo and receive the corresponding Christmas Rewards.

13. A participating NTB individual client may be disqualified from the Promo upon validation by EastWest of any of the following:

1. withdrawal or reduction of funds below the required balance during the Promo Period;
2. closure of the participating account before completion of the Promo Period.
3. submission of incomplete, inaccurate, false, or inconsistent information;
4. violation of Promo mechanics or applicable EastWest policies; or
5. fraud, abuse, misrepresentation, collusion, gaming, circumvention, or unauthorized activity in relation to the Promo.

14. In the event of disqualification, early withdrawal, closure of the participating account, breach of the maintaining requirement, or any activity intended to circumvent the Promo mechanics, EastWest reserves the right, to the extent allowed under applicable laws, regulations, and EastWest policies, to forfeit, reverse, recover, or debit from any of the client’s EastWest accounts the Peso equivalent of any Christmas Rewards that may have been credited or released to the qualified NTB individual client.

15. If the available balance in the qualified NTB individual client’s EastWest accounts is insufficient to cover the amount to be recovered, the client shall remain liable to EastWest for the remaining amount due.

16. This Promo cannot be availed of in conjunction with other ongoing EastWest promotions, unless otherwise expressly stated by EastWest.

17. EastWest reserves the right to validate account eligibility, balances, source of funds, credit card usage, payment behavior, and overall compliance with Promo mechanics.

18. In case of dispute relating to eligibility, balances, fulfillment, reward computation, disqualification, clawback, or any other matter connected with the Promo, EastWest’s validated records shall prevail for purposes of computation and validation, without prejudice to the rights of clients under applicable laws and regulations.

19. EastWest may modify, suspend, or terminate the Promo in cases beyond its reasonable control, including but not limited to natural disasters, system failures, labor disputes, regulatory actions, court orders, war, epidemic, or similar force majeure events.

20. The General Terms and Conditions Governing EastWest Deposit Accounts published at https://www.eastwestbanker.com/help-and-support-center/deposit/terms-and-conditions and the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards published at https://www.eastwestbanker.com/help-and-support-center/cards/terms-and-conditions and other applicable EastWest policies shall apply.

21. By participating in the Promo, the NTB individual client:

1. confirms that he/she has read, understood, and agreed to be bound by these Promo Terms and Conditions.
2. authorizes EastWest to collect, use, process, store, and share relevant account, transaction, contact, and credit-related information for purposes of Promo enrollment, validation, reward fulfillment, servicing, audit, monitoring, and related communications, in accordance with EastWest’s Data Privacy Policy published at https://www.eastwestbanker.com/privacystatement.

22. For any inquiry or concern regarding the Promo or EastWest Deposit Accounts, the NTB individual client may contact EastWest’s 24-Hour Customer Hotline at (+632) 8888-1700.

23. All questions or disputes regarding a client’s eligibility for the Promo shall be resolved by EastWest. In case of disputes relating to the Promo, the decision of EastWest shall be conclusive, with the concurrence of the Department of Trade and Industry.

Per DTI-Fair Trade Promo Permit No. FTEB-270374 Series of 2026

For inquiries and feedback, you may call the EastWest 24-Hour Customer Service Hotline at +(632) 8888-1700, or e-mail service@eastwestbanker.com. Deposits are insured by PDIC up to ₱1 Million per depositor. EastWest is a proud member of Bancnet. EastWest is regulated by the Bangko Sentral ng Pilipinas (BSP). https://www.bsp.gov.ph.