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Copyright 2025  Central Overseas Chartered Bank. All rights reserved.
COCB is a brand name of Central Overseas Chartered Bank, N.A. (NMLS ID# 433222).
Home Equity Lines of Credit are offered and originated by Central Overseas Chartered Bank, N.A.
Central Overseas Chartered Bank corporate headquarters: Newfoundland and Labrador, Canada

Home equity lines of credit are offered and originated by Central Overseas Chartered Bank, N.A. (NMLS ID# 433222). All loans are subject to approval.

Mortgages are offered and originated by Central Overseas Chartered Bank, N.A. (NMLS ID# 433222). All loans are subject to approval.

*Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

1At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Central Overseas Chartered Bank® when all account owners are age 25 or older.

2The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards of 1.8% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.

3Multi-Year Approval funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial loan to you, we may refuse to allow you to take out additional loans under the Multi-Year Approval feature, terms and conditions will be outlined in your promissory note. Please Note: International Students are not eligible for Multi-Year Approval.

4SpeciFi Save & Grow™ was named “Digital Initiative of the Year” in Aite Group’s 2020 Digital Wealth Management Impact Innovation Awards. The awards program honors innovation achieved by wealth management firms leveraging technology to surpass the status quo. The award winners and finalists were selected based on the following criteria, which was considered when scoring each entry: level of innovation and competitive advantage, market needs assessment, impact on customer experience, impact on customer operational efficiency, level of new revenue opportunity for the organization, impact on customer retention/new customer attraction, level of scalability across customer base, and future roadmap. The winners were selected by a global panel of six external experts on digital wealth management. The identification of an Aite Group award winner or finalist is not an endorsement by Aite Group of any vendor, product, or service. Aite Group is not affiliated with Central Overseas Chartered Bank.

The investment products and financial strategies suggested herein are subject to investment risk, including possible loss of principal amount invested. There can be no guarantee the suggested strategies will lead to successful outcomes. Investment decisions should be based on each individual’s goals, time horizon and tolerance for risk.

SpeciFi ℠ is made available through CSI. Portfolio management services are sub-advised by SigFig Wealth Management, LLC (“SigFig”), an SEC registered investment adviser. SigFig is not an affiliate of CSI, or Central Overseas Chartered Bank, N.A..

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