1. Eligibility and rewards are subject to account standing and verification. To qualify for the Onyx Program, you must maintain a daily balance of $15,000 in the Onyx Checking and maintain a combined daily balance of $300,000 in eligible consumer deposit accounts under the same tax identification number. Eligible accounts include consumer checking, savings, money market, and time deposit accounts. “Money Market” refers to a Money Market Deposit Account (MMDA) and not a money market mutual fund. Excludes loans, credit products, and non-deposit investments. Household aggregation is at the Bank’s discretion. Balances must be met within 30 days and maintained on the last day of the statement cycle to qualify for full program benefits, including bonus interest, incoming wire fee credit and non-Hanmi ATM fee reimbursements. All credits and reimbursements will be applied on the last day of the statement cycle.  Interest is calculated by the daily balance method and credited monthly; interest begins to accrue no later than the business day we receive credit for non-cash items. Fees may reduce earnings. If the combined balance falls below the minimum of $300,000 for 3 consecutive statement cycles, the Onyx Checking may be converted to Personal Regular Checking and the Onyx Debit Card will be closed and a new debit card will be sent to the address on file. If minimum daily balances are not met, the monthly maintenance charge(s) apply. Other fees (e.g., ATM, wire, paper statement, stop-payment) may apply—see the Consumer Deposit Fee Schedule. Offers are void where prohibited. Rates, fees, and terms may change.  2. The bonus APY applies only to Onyx Money Market accounts that meet all program balance requirements. If the required balances are met on the last day of the statement cycle, the bonus APY will apply to all consecutive days preceding the last day of the statement cycle in which balance requirements were maintained. If the balance falls below the required amount at any time during the statement cycle, that day and all preceding days in the cycle forfeit the bonus APY. If the required balances are not met on the last day of the statement cycle, the bonus APY is forfeited for the entire cycle. Rates are variable and subject to change at any time. Refer to Hanmi Bank’s current rate sheet for all rate tiers and applicable APYs.  3. Higher card limit refers to initial ATM withdrawal amount and point of sale transaction amount limits and are subject to change.  4. Must be enrolled in uChoose Rewards® to earn uChoose points. Points earned through the Onyx Program are in addition to the standard uChoose point earnings. Points are credited during the following statement cycle. uChoose Rewards® is not an affiliate of Hanmi Bank. All names and logos are trademarks and registered trademarks of their respective owners. All rights reserved.

This advertisement does not describe all account terms. Full terms are in the Consumer Deposit Account Agreement. Member FDIC. Deposits are insured up to applicable limits. For full details, visit Hanmi.com, a branch, or call 1.855.773.8778.