Designed for Chinese! Hassle-Free Spending & Savings in China - Up to 10% Cashback This Summer⁷

In 2024, iTalkBB launches new services specifically for North American Chinese. Partnering with industry leaders UnionPay International and East West Bank (Member FDIC), we've upgraded the iTalkBB Prime App with QR payment functionality and introduced the iTalkBB UnionPay Prepaid Card bundle (including a U.S. checking account and virtual UnionPay prepaid card), simplifying QR payments in China for Prime App users.^1,2,4

• Learn more about the iTalkBB UnionPay Prepaid Card bundle.

This summer, from April 15 to September 15, 2025, enjoy up to 10% cashback on eligible purchases with the iTalkBB UnionPay Prepaid Card during our summer promotion, with maximum monthly cashback of 500 RMB⁷. Save effortlessly on flights, shopping, rideshares and more!

Cardholders also enjoy exclusive global airport lounge access at over 1,200 locations.⁵

• VIP lounge benefits valid from May 1 to June 30, 2025.

• View lounge locations >>

iTalkBB is a communications company, not a bank. The iTalkBB Prime App and related services are provided by iTalkBB. Banking products and services are provided by East West Bank (Member FDIC).

Four Key Payment Benefits

USD Top-Up, Local Currency PaymentsThe iTalkBB UnionPay Prepaid Card bundle with Prime App's QR payment feature allows users to top up in USD and pay in RMB, avoiding online currency exchange fees.^2,3Simply deposit USD funds into your East West Bank checking account and transfer to your UnionPay prepaid card via online banking.³After topping up, use the Prime App e-wallet for QR payments at merchants displaying the UnionPay "QuickPass" logo - transactions settle instantly at current exchange rates.^2,3,4

Exclusive iTalkBB User Benefits - No Minimum Balance or Monthly Fees¹• Learn more about the iTalkBB UnionPay Prepaid Card bundle.Waived 3% Foreign Card Transaction Fee⁶Add your iTalkBB UnionPay Prepaid Card to WeChat Pay or Alipay to waive the 3% foreign card fee on eligible transactions.⁶

Online Account Activation - Available from the U.S.Through our partnership with East West Bank (Member FDIC), users can apply online for the UnionPay Prepaid Card bundle (including U.S. checking account and virtual prepaid card) after subscribing to iTalkBB Prime App.¹Once activated, top up your prepaid card and enjoy seamless QR payments through the Prime App.^2,3,4

Visit iTalkBB's website for more details.

Learn more at:

https://www.italkbb.com/us/en/UnionPayCard

About iTalkBBiTalkBB is a telecommunications company providing international calling and Chinese TV services for overseas Chinese. Since 2003, we've been committed to innovative products that improve lives. Understanding overseas Chinese needs and creating tailored solutions remains our mission.

About UnionPay InternationalUnionPay International, a subsidiary of China UnionPay, partners with 2,600+ institutions worldwide. Its card acceptance network spans 183 countries/regions, with cards issued in 82 markets. UPI provides efficient, secure cross-border payment services to the world's largest cardholder base.Learn more:https://www.unionpayintl.com/cn/aboutUs/companyProfile/introductiontoUPI/

About East West BankEast West Bank (NASDAQ: EWBC) is Southern California's largest independent commercial bank. Founded in 1973, it serves individuals, businesses and institutions with $76B in assets (as of 12/31/2024) through 110+ U.S. locations and international offices in China and Singapore.Learn more:www.eastwestbank.com

iTalkBB is a communications company, not a bank. The iTalkBB Prime App and related services are provided by iTalkBB. Banking products and services are provided by East West Bank (Member FDIC).

Notes:

1. iTalkBB UnionPay Prepaid Card bundle applications require East West Bank approval. Availability may be regionally restricted.

East West Bank checking account terms, conditions and fees apply. For details, see the Easy Digital Checking Terms and Fee Schedule. For prepaid card details, see the iTalkBB UnionPay Prepaid Card Agreement and Fee Schedule.

2. Certain services (e.g., iTalkBB e-wallet) require active iTalkBB Prime subscription. Service termination disables these features.

3. Only eligible East West Bank checking/savings accounts may fund prepaid cards. Weekly top-up limit: $2,500. Online banking registration required. Carrier fees may apply for mobile banking.

4. iTalkBB UnionPay Prepaid Cards are only usable at overseas UnionPay merchants.

5. Register your card at UPI SplendorPlus for lounge access (5/1/2025-6/30/2025). UPI may modify/terminate benefits without notice.

6. Transactions ≤200 RMB incur no fees. For larger transactions linked to WeChat Pay/Alipay, the 3% foreign card fee is waived. Fees subject to market changes.

7. UPI's Splendor China cashback promotion (1/22/2025-12/31/2025 Beijing Time) offers:

a. 1% Base Cashback: Automatic on eligible transactions.

b. Summer Bonus (4/15/2025-9/15/2025): Additional 9% cashback (total 10%).

c. Eligible Purchases: China mainland POS, e-commerce, and UnionPay QR code transactions processed through UnionPay.

d. Exclusions: Refunded/risky transactions and prohibited MCC codes.

e. Monthly Cap: 500 RMB cashback per card.

f. Processing: Cashback credited within 5 calendar days.

g. Terms:

• Updated promotion terms: iTalkBB UnionPay Prepaid Card Cashback Terms

• Splendor China details: UPI SplendorPlus

• Program terms: UPI User Guide

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