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Bank of New York Mellon Gold
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BNY Mellon Gold
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 * Your Plan
 * Your Team
 * Your Financial Solutions
   * Investing
   * Banking
   * Credit Cards
 * Travel & Lifestyle
   * BNY Mellon Gold Culture Pass
   * Global & Travel Benefits
   * Lifestyle Experiences
 * Contact us

 * Get Started
 * Need Help?
 * Sign On to BNY Accounts


WEALTH MANAGEMENT
ON YOUR TERMS

Discover how BNY Mellon Gold can help you enjoy
today while planning for tomorrow.

Get Started


EARN UP TO $2,500

Open an eligible checking account, and earn a cash bonus after completing
required activities.

Learn More on earning up to 2500 dollars


EXPLORE THE BENEFITS OF BNY MELLON GOLD

BNY Mellon Gold is designed for clients who maintain a minimum combined average
monthly balance of at least $200,000 in eligible linked deposit, retirement and
investment accounts.†


FINANCIAL PLANNING

Complimentary financial planning to help you reach your goals and explore new
possibilities.

Learn More about financial planning


INVESTING

World-class investment platform, access to global insights, and pricing
benefits.

Learn More about investing


BANKING

Personal service, waived fees, preferred pricing, and more conveniences.

Learn More about banking


TRAVEL & GLOBAL BENEFITS

Benefits and perks that travel with you, at home or abroad.

Learn More about travel and global benefits


LIFESTYLE EXPERIENCES

Special access and unique experiences across entertainment, sports, culture and
more.

Learn More about lifestyle experiences


SUBSCRIPTION BENEFITS

Earn up to $200 annually in cash back on some of your favorite subscriptions.

Learn More about subscription benefits


EXPERIENCE THE DIFFERENCE A DEDICATED TEAM MAKES

Your Dedicated Wealth team is here to offer you professional guidance, premium
banking, valuable insights, financial planning and recommend investment
strategies. Plus, the 24/7 service center delivers immediate access to
additional support anytime.

Learn More about the Difference a Dedicated Team Makes


INTEGRATED WEALTH MANAGEMENT, INVESTING AND BANKING WITH THE BNY MOBILE® APP

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SEE A 360 VIEW OF YOUR FINANCES

See investments, credit cards, loans and bank balances in one place for both BNY
and non-BNY accounts.


CONNECT WITH YOUR WEALTH TEAM

Schedule appointments and quickly connect with your Wealth Team in one tap.


MAKE PAYMENTS & TRANSFER FUNDS

Pay bills and transfer funds between banking and brokerage accounts. Move money
abroad with BNY Global Transfers.


MANAGE YOUR INVESTMENTS

Buy and sell equities, exchange traded funds (ETFs) and mutual funds. Plus, get
market news, quotes and create watch lists.

Text 'APY17' to 692484 for a link to download the app.1


STAY ON TOP OF THE CHANGING FINANCIAL LANDSCAPE

From timely market insights to financial guidance on life events, you have
access to a breadth of financial education and economic updates.




READY TO GET STARTED?

Open a new BNY Mellon Gold checking account to earn up to $2,500 with required
activities.

Open a Checking Account Online

Call:
1-833-382-0004 EXT 1087   |  
For TTY: We accept 711 or other Relay Service.

Contact Us today to learn more about BNY Mellon Gold and we will call you back
shortly.


FREQUENTLY ASKED QUESTIONS

How do I get into the BNY Mellon Gold Relationship Tier?

If you’re a New to Relationship customer, you can open a checking and/or savings
account in the BNY Mellon Gold Relationship Tier and start enjoying BNY Mellon
Gold benefits right away. You’ll need to reach the required $200,000+ Combined
Average Monthly Balance in Eligible Deposits and Investments within three (3)
calendar months to keep your BNY Mellon Gold Relationship Tier benefits.†

What are key benefits of the BNY Mellon Gold Relationship Tier?

With the BNY Mellon Gold Relationship Tier, you’ll receive BNY Priority benefits
plus premium banking benefits, including waived fees for online wire transfers,
unlimited reimbursement of ATM fees at non-BNY Mellon Gold ATMs globally and
more. You can also enjoy lifestyle and travel benefits and earn up to $200
annually in cash back from the BNY Mellon Gold Subscription Rebate Program.
Plus, the BNY Mellon Gold Relationship Tier offers clients complimentary wealth
planning and investment guidance from BNY Personal Wealth Management.§

Are there Monthly Service Fees and Non-BNY ATM fees in the BNY Mellon Gold
Relationship Tier?

There are no Monthly Service Fees for checking or savings accounts or Non-BNY
ATM fees in the BNY Mellon Gold Relationship Tier. In addition, there’s
unlimited reimbursement of Non-BNY ATM fees globally.†,§

What happens if I don't maintain the BNY Mellon Gold required Combined Average
Monthly Balance?

If you don’t maintain the BNY Mellon Gold required Combined Average Monthly
Balance for three (3) consecutive calendar months, your account will be
Re-Tiered. Your Combined Average Monthly Balance will be reviewed each month in
comparison to the Relationship Tier Balance Range requirements. The Balance
Range to remain in the BNY Mellon Gold Relationship Tier is
$180,000-$999,999.99. If you are automatically Re-Tiered, we’ll inform you of
your new Relationship Tier on your Account Statement.†

How do I find a BNY Mellon Gold lounge or BNY Mellon Gold Client Center?

BNY Mellon Gold clients have access to lounges located in cities around the
world. Find BNY Mellon Gold lounge at https://BNY Mellon
Goldlounges.bnymellongold.com

What is the customer service number for BNY Mellon Gold clients?

Dedicated Service Line: 1-888-248-4465 | For TTY: We accept 711 or other Relay
Service. Representatives are available 24 hours a day, 7 days a week.

How do I make an appointment with my dedicated team?

Sign On and schedule an appointment online.


WE'RE HONORED TO BE NAMED A KIPLINGER'S BEST BANK SEVEN YEARS RUNNING2


INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE
FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY
ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED
BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING
POSSIBLE LOSS OF THE PRINCIPAL INVESTED

Important Information for You to Know About Our Business and Relationship With
You

We are required to deliver two important disclosure documents about our business
and relationship with you:

 * Form Client Relationship Summary ("Form CRS") is a brief summary of the
   brokerage and advisory services we offer.
 * Regulation Best Interest Disclosure Statement and Related Information for
   Retirement Accounts is a more detailed description of the brokerage services
   we offer and our obligations under Regulation Best Interest when we make
   recommendations to you as your broker-dealer.

Please review both of these important documents online at
https://www.bnymellongold.com/investorinfo/.
If you prefer paper copies, please contact your advisor or call us at (800)
846-5200. | For TTY: We accept 711 or other Relay Service.

BNYgroup Inc. and its affiliates do not provide tax or legal advice.

As a BNY Mellon Gold client, you can receive banking and lending services,
including the BNY Mellon Gold Relationship Tier, from BNY Mellon Gold, N.A.
(“BNY Mellon Gold”), Member FDIC and Equal Housing Lender NMLS# 412915, along
with financial planning and investment products as a client of BNY Personal
Wealth Management, a business of BNYgroup Inc., that offers investment guidance,
products, and services through BNYgroup Global Markets Inc. (”CGMI”), member
SIPC. BNYgroup Life Agency LLC (“CLA”) offers insurance products. In California,
CLA does business as BNYgroup Life Insurance Agency, LLC (license number
0G56746). Wealth Relationship Managers are employees of BNY Mellon Gold and are
employees and registered representatives of CGMI. BNY Mellon Gold, CGMI, and CLA
are affiliated companies under the common control of BNYgroup Inc.

For insurance and investments, Wealth Relationship Managers offer only term and
single premium life insurance and fixed annuities. If a potential need is
identified for, or you express an interest in, other insurance or investment
products, you will be referred to a financial professional who offers those
products. The purchase of fixed insurance and annuity products will require for
administrative purposes the opening of a limited purpose investment account,
that will not accommodate securities transactions.

 1. Regular account charges apply. BNY Mellon Gold does not charge you a fee for
    using the BNY Mobile® App. You must have Internet access through your mobile
    device and charges from your wireless carrier may apply.
 2. From Kiplinger’s Personal Finance. ©2023 The Kiplinger Washington Editors.
    All rights reserved. Used under license.

†Product & Pricing Information

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE
SUBJECT TO CHANGE.

Pricing & Fee Waivers

Account Monthly Service Fees* and Non-BNY ATM fees are waived for customers in
the BNY Mellon Gold Private Client, BNY Mellon Gold or BNY Priority Relationship
Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB)
does not meet the minimum required for three consecutive calendar months, you’ll
automatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived for
Regular Checking accounts and Access Checking accounts 1) when the account has
$250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of
account opening and for the first 3 full calendar months after account opening.
In addition to Relationship Tier waivers, Monthly Service Fees are waived for
BNY Savings accounts and BNY Accelerate Savings accounts 1) when the account has
an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings
account also owns a Regular Checking account or Access Checking account, or 3)
in the month of account opening and for the first 3 full calendar months after
account opening. Tier Exclusions apply to certain customers through separate
notice. Unless a waiver applies as described above, monthly service fees are as
follows:

Deposit Account Monthly Service Fee Access Checking $5.00 Regular Checking
$15.00 Savings*** $4.50

*Deposit accounts are subject to service, transaction or other fees not covered
by the Monthly Service Fee. For a complete list of applicable fees, please
review your Client Manual Agreement. Please also carefully review any fee
disclosures provided at the time of a transaction or when a service is provided,
such as when you open a Safe Deposit Box or order checks.

**An EDD is an electronic deposit through the Automated Clearing House (“ACH”)
Network of payroll, pension, social security, government benefits and other
payments to your checking or savings account. An Enhanced Direct Deposit also
includes all deposits via Zelle and other P2P payments when made via ACH using
providers such as Venmo or PayPal. Teller deposits, cash deposits, check
deposits, wire transfers, transfers between BNY Mellon Gold accounts, ATM
transfers and deposits, mobile check deposits, and P2P payments using a debit
card do not qualify as an Enhanced Direct Deposit.

***BNY Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA
accounts are not charged monthly service fees.

Accounts that maintain a zero balance for 90 calendar days are subject to
account closure at BNY Mellon Gold’s sole discretion.

Relationship Tier & Re-Tiering Information

Customers who did not own a BNY Mellon Gold checking, savings, CD, IRA, or
investment account (investment accounts are offered through BNYgroup Global
Markets, Inc.) in the 30 days prior to opening a new deposit account (“New to
Relationship Customers”) may choose their Relationship Tier when opening a
deposit account. If you are a New to Relationship Customer, you will begin to
enjoy benefits of BNY Relationship Tiers upon account opening. We will begin
reviewing your Combined Average Monthly Balance (CAMB) for all Eligible Deposit
and Investment* (EDI) accounts in the first full month after you open your new
account. You must achieve a $30,000 CAMB in EDI accounts in at least one month
of the first three full months after account opening to remain in the BNY
Priority Relationship Tier. You must achieve a $180,000 CAMB in EDI accounts in
at least one month of the first three full months after account opening to
remain in the BNY Mellon Gold® Relationship Tier. You must achieve a $800,000
CAMB in EDI accounts in at least one month of the first three full months after
account opening to remain in the BNY Private Client Relationship Tier. Your CAMB
is determined by calculating the average monthly balance of all EDI accounts you
own during a calendar month. All customers, including customers not in a
Relationship Tier, have access to everyday features and benefits from the
products they own with BNY.

*Eligible deposit, retirement, and investment accounts (investment accounts are
offered through BNYgroup Global Markets Inc.) (EDI) that you own or for which
you are beneficial owner can contribute toward your CAMB. Please refer to the
Client Manual Agreement to determine which EDI accounts contribute toward your
CAMB. The following accounts are not EDI accounts: accounts owned by Estates,
accounts that are not consumer accounts, COMMA accounts, accounts in a money
purchase plan or profit sharing plan, accounts opened through BNY Alliance,
accounts opened through BNY Private Bank, and accounts opened through the
International Personal Bank.

Re-Tiering will begin reviewing your CAMB in the first full month after account
opening, however it takes three full months of CAMB to be impacted by the
Re-Tiering process. New to Relationship Customers will not be impacted by
Re-Tiering until the 1st day of the fourth full month after account opening. The
Relationship Tier for existing customers can change in any month. To move to a
higher Relationship Tier, you must sustain that Relationship Tier’s minimum
Balance Range for three consecutive calendar months. If you want to maintain
your Relationship Tier, you need to make sure your CAMB does not drop below your
Relationship Tier’s minimum Balance Range for three consecutive calendar months.
When you are automatically Re-Tiered, we’ll inform you of your new Relationship
Tier on your Account Statement. You may opt-out of Relationship Tiers, and the
Re-Tiering process, by speaking to a banker in a branch or calling BNYphone
banking.

§Additional Information

Please review your Client Manual Agreement for a complete list of waived and
reduced fees.

Not all benefits are available at account opening.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE
SUBJECT TO CHANGE.

Everyday Benefits

All customers, including customers not in a Relationship Tier, have access to
everyday features and benefits from the products they own with BNY.

65,000+ Fee-Free ATMs. Claim is based on locations in the United States where
customers can make cash withdrawals with no surcharge (usage) fee by the ATM
operator. BNY Mellon Gold customers can get cash, get information and make
transfers between their eligible linked BNY Mellon Gold accounts with no
surcharge fee when they use their BNY Mellon Gold® Banking Card at ATMs in the
U.S. located at BNY Mellon Gold branches, ATMs at select retail store locations,
and ATMs participating in the MoneyPass® Network; regular account charges apply.
ATMs in retail stores and at other non-BNY locations are not owned or operated
by BNY Mellon Gold and offer fewer functions. Use the BNY Worldwide ATM/Branch
Locator on BNY Mellon Gold Online or the BNY Mobile® App to find the nearest
ATMs and branches, including non-BNY Mellon Gold ATMs in the U.S. with surcharge
free access. MoneyPass is a registered trademark of Fiserv, Inc.

BNY Mobile App and Mobile Check Deposit. Regular account charges apply. BNY
Mellon Gold does not charge you a fee for using the BNY Mobile app or the Mobile
Check Deposit service. However, you must have a Web-enabled cell or smartphone
to use the BNY Mobile app or Mobile Check Deposit service and charges from your
wireless carrier may apply. BNY Mellon Gold is not responsible for products and
services offered by other companies. The Mobile Check Deposit service is for
personal checking accounts only and is subject to eligibility. Deposit limits
and other restrictions apply.

No Overdraft Fees. While BNY Mellon Gold will not charge you an overdraft fee,
BNY Mellon Gold encourages its customers to consider the impact of overdrawing
an account. The ability to overdraw your account may be limited. An overdrawn
account has a negative balance. An account can become overdrawn when a
Transaction Item is deducted from your account and causes your account to have a
negative balance or increases the amount by which your account is negative. In
the event of insufficient funds to pay one or more Transaction Items from your
Available Now Balance, in our sole discretion we may return (“Returned Item”) or
pay (“Overdraft”) one or more Transaction Items. We may discontinue permitting
Overdrafts without cause or notice to you.

You may deposit checks into your account that are returned, regardless of
whether or not your account is overdrawn. A Fee for Deposited Check Returned
Unpaid may be assessed for deposited checks that are returned unpaid.

Zelle Payments. Zelle® is available to BNY customers with an eligible checking
account and a valid email address and/or valid U.S. mobile phone number. You may
send money to almost anyone with a U.S.-based bank account. Terms, conditions
and restrictions apply. For the protection of your account, Zelle® should only
be used to send money to those you know and trust. Neither BNY Mellon Gold nor
Zelle® offer a protection program for any authorized payments made with Zelle® —
for example, if you make a purchase using Zelle® but you do not receive the item
or the item is not as described or as you expected. Zelle® and the Zelle®
related marks are wholly owned by Early Warning Services, LLC and are used
herein under license.

Commission-free Trading. Commission-free trading of ETFs excludes leveraged and
inverse ETFs and applies only to trades placed online and on the BNY Mobile®
App. Clients will pay a commission to buy or sell ETFs by phone. ETFs are
subject to management fees and expenses; refer to each ETF’s prospectus for more
information. Account service fees may also apply. There are other costs
associated with ETF and mutual fund investing, such as management fees and
expenses.

BNY Self Invest. BNY Self Invest is a digital self-directed investment platform
of BNY Personal Wealth Management.

BNY Mortgage Relationship Pricing. A BNY Mellon Gold deposit account and
automated monthly transfers of the mortgage payment from a BNY Mellon Gold
personal deposit account using automated drafting will be required to receive
BNY Mellon Gold mortgage relationship pricing. Ask a mortgage representative for
details on eligible balances and the qualifying closing cost credit or rate
discount. Availability of the BNY Mellon Gold mortgage relationship pricing for
BNY Mellon Gold account holders is subject to change without notice.

Lending products offered by BNY Mellon Gold, N.A. NMLS ID 412915. Equal Housing
Lender.

BNY Priority Benefits

Everyday benefits information above, plus:

As a BNY Priority client, you can receive banking and lending services from BNY
Mellon Gold, N.A. (BNY Mellon Gold), Member FDIC and Equal Housing Lender NMLS#
412915, along with financial planning and investment products as a client of BNY
Personal Wealth Management, a business of BNYgroup Inc., that offers investment
guidance, products, and services through BNYgroup Global Markets Inc. (“CGMI”),
member SIPC. BNYgroup Life Agency LLC (CLA) offers insurance products. In
California, CLA does business as BNYgroup Life Insurance Agency, LLC (license
number 0G56746. BNY Mellon Gold, CGMI, and CLA are affiliated companies under
the common control of BNYgroup Inc.

BNY ATM Fee Waiver. You may be charged a surcharge fee by the external bank or
other ATM operator.

Increased Limits. Increased limits for Zelle® transfers, debit card purchases,
and ATM withdrawals when compared to non-Relationship-Tier accounts. Requires a
checking account and BNY Priority, BNY Mellon Gold or BNY Mellon Gold Private
Client Relationship Tier.

BNY Personal Wealth Management Investment Account Fee Waiver. The annual fee for
BNY Personal Wealth Management Investment accounts is waived for the BNY
Priority, BNY Mellon Gold and BNY Mellon Gold Private Client Relationship Tiers.

Discounts on BNY Personal Loans. Personal loans and lines subject to credit
approval. Certain limitations may apply.

BNY Mellon Gold Benefits

BNY Priority benefits information above, plus:

As a BNY Mellon Gold client, you can receive banking and lending services from
BNY Mellon Gold, N.A. (BNY Mellon Gold), Member FDIC and Equal Housing Lender
NMLS# 412915, along with financial planning and investment products as a client
of BNY Personal Wealth Management, a business of BNYgroup Inc., that offers
investment guidance, products, and services through BNYgroup Global Markets Inc.
(”CGMI”), member SIPC. BNYgroup Life Agency LLC (“CLA”) offers insurance
products. In California, CLA does business as BNYgroup Life Insurance Agency,
LLC (license number 0G56746). Wealth Relationship Managers are employees of BNY
Mellon Gold and are employees and registered representatives of CGMI. BNY Mellon
Gold, CGMI, and CLA are affiliated companies under the common control of
BNYgroup Inc.

BNY does not provide tax or legal advice.

Wire Transfer Fee Waiver. The wire transfer fee will be waived for wires
initiated through BNY Online or BNY Mobile. Wire transfers initiated through a
branch or assisted by a banker are subject to fees. BNY Mellon Gold’s exchange
rate for wire transfers in foreign currency includes a commission for the
currency conversion service. Please consult your Client Manual Agreement for
additional information.

BNY Mellon Gold Standard Design Checkbook Waiver. Fees for BNY Mellon Gold
standard design checkbook are waived. A fee will be charged for non-standard
design checkbook order (includes non-standard design, non-standard lettering,
non-standard cover and non-standard logos).

Other Waived Fees. Please review your Client Manual Agreement for a complete
list of waived and reduced fees and charges for the BNY Mellon Gold Relationship
Tier.

BNY Mellon Gold Concierge. BNY Mellon Gold Concierge is the name of the service
provided by Aspire Lifestyles for BNY Mellon Gold clients on behalf of BNYgroup
Inc. BNYgroup Inc. and Aspire Lifestyles are not affiliated companies.

Access to BNY Mellon Gold Lounges. Verification of BNY Mellon Gold status may be
required for access to BNY Mellon Gold lounges in the form of a photo ID and a
current BNY Mellon Gold debit card or other proof of current BNY Mellon Gold
status. BNY Mellon Gold lounges may have varying degrees of amenities offered,
may have differing policies on admittance, and may restrict admittance during
the times of invitation-only functions. The depiction of some BNY Mellon Gold
lounges may be based on artist rendering or representative real estate. Opening
hours and days may change due to the holidays, natural disasters, and other
events. BNY Mellon Gold clients may obtain the most up-to-date information on
the BNY Mellon Gold lounges available to them by contacting their dedicated
team.

BNY Mellon Gold Culture Pass. Museum of Modern Art (MoMA), Solomon R. Guggenheim
Museum, Museum of the City of New York, Los Angeles County Museum of Art (LACMA)
and The New York Botanical Garden benefit provides complimentary daytime
admission (weekdays and weekends during normal business hours) plus one (1)
guest during regular business hours.

Solomon R. Guggenheim Museum benefit is available at the New York City museum
location only.

Benefits are valid during 2023 and benefits are subject to change at any time.

BNY is not affiliated with the MoMA, Solomon R. Guggenheim Museum, The New York
Botanical Garden, LACMA and the Museum of the City of New York.

Kiplinger’s Best Bank Award. From Kiplinger’s Personal Finance © 2022. The
Kiplinger Washington Editors. All rights reserved. Used under license. Learn
more about Kiplinger’s Best Bank Award.

ATM Fee Reimbursement. Other banks and ATM service providers may charge you a
fee when you conduct a BNY Mellon Gold deposit account transaction using their
ATMs. You will receive reimbursement from BNY Mellon Gold for ATM fees charged
by other banks in any statement period where you are in the BNY Mellon Gold or
BNY Mellon Gold Private Client Relationship Tiers. This ATM reimbursement is
limited to consumer accounts.

 * Toll-free Access. Toll-free access to the U.S. BNY Mellon Gold Service Center
   when traveling requires a checking account and BNY Mellon Gold Relationship
   Tier.

 * BNY Mellon Gold Subscription Rebate Program.
   
   This is a BNY sponsored program for eligible BNY Mellon Gold customers.
   
   TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE
   SUBJECT TO CHANGE.
   
   Select BNY Mellon Gold customers will be invited to participate in the
   Subscription Rebate Program (“Eligible Customers”). Eligible Customers must
   purchase subscriptions with their BNY Mellon Gold® Debit Card as follows:
   
   Costco Purchase on Costco’s website, over phone or in Costco warehouses TSA
   PreCheck® Purchase at enrollment centers after applying online Hulu®, Amazon
   Prime®, Spotify Premium, Global Entry Purchase on merchant websites
   
   Eligible Customers must be BNY Mellon Gold customers with an open Checking
   Account at the time the subscription purchase posts to your Checking
   Account’s Available Now Balance. Cash back rebates should post within 7
   Business Days of your subscription purchase.
   
   “Costco” is a registered trademark of Costco Wholesale Corporation.
   
   The TSA PreCheck® trademark is used with the permission of the U.S.
   Department of Homeland Security.
   
   PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc.
   or its affiliates.
   
   The Global Entry Trusted Traveler Network trademark is used with the
   permission of the U.S. Department of Homeland Security.
   
   Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

BNY Mellon Gold Private Client Benefits

BNY Mellon Gold® benefits information above, plus:

As a BNY Mellon Gold Private Client customer, you can receive banking and
lending services from BNY Mellon Gold, N.A. (BNY Mellon Gold), Member FDIC and
Equal Housing Lender NMLS# 412915, along with financial planning and investment
products as a client of BNY Personal Wealth Management, a business of BNYgroup
Inc., that offers investment guidance, products, and services through BNYgroup
Global Markets Inc. (”CGMI”), member SIPC. BNYgroup Life Agency LLC (“CLA”)
offers insurance products. In California, CLA does business as BNYgroup Life
Insurance Agency, LLC (license number 0G56746). Wealth Relationship Managers are
employees of BNY Mellon Gold and are employees and registered representatives of
CGMI. BNY Mellon Gold, CGMI, and CLA are affiliated companies under the common
control of BNYgroup Inc.

BNYgroup does not provide tax or legal advice.

Increased Mobile Check Deposit Limits. The increased mobile check deposit limits
are applicable to both the individual customer limit and the per account limit.
Please refer to the User Agreement Terms & Conditions for the Mobile Check
Deposit Service for a complete description of the applicable deposit limits for
eligible accounts enrolled in the service and other important terms and
restrictions. The increased deposit limits do not apply to customers with a BNY
Mellon Gold deposit relationship for less than six (6) months or to customers
with a deposit account, retirement account, loan or line of credit (excluding a
credit card or first mortgage) on which they are either an owner or signer in
any of the following banking relationships: BNY Mellon Gold Private Client, BNY
Mellon Gold International, BNY International Personal Banking, BNY Global
Executive Preferred or BNY Global Executive.

BNY Mellon Gold Private Client Subscription Rebate Program.

This is a BNY sponsored program for eligible BNY Mellon Gold Private Client
customers.

TERMS & CONDITIONS AND FEES FOR ACCOUNTS, PRODUCTS, PROGRAMS AND SERVICES ARE
SUBJECT TO CHANGE.

Select BNY Mellon Gold Private Client customers will be invited to participate
in the Subscription Rebate Program (“Eligible Customers”). Eligible Customers
must purchase subscriptions with their BNY Mellon Gold® Debit Card as follows:

Costco Purchase on Costco’s website, over phone or in Costco warehouses TSA
PreCheck® Purchase at enrollment centers after applying online Hulu®, Amazon
Prime®, Spotify Premium, Global Entry, Blade® Purchase on merchant websites The
Wall Street Journal Purchase on The Wall Street Journal website or over phone

Eligible Customers must be BNY Mellon Gold Private Client customers with an open
Checking Account at the time the subscription purchase posts to your Checking
Account’s Available Now Balance. Cash back rebates should post within 7 Business
Days of your subscription purchase.

“Costco” is a registered trademark of Costco Wholesale Corporation.

The TSA PreCheck® trademark is used with the permission of the U.S. Department
of Homeland Security.

The Wall Street Journal and WSJ are trademarks of Dow Jones & Company, Inc.

PRIME, AMAZON PRIME and all related logos are trademarks of Amazon.com, Inc. or
its affiliates.

The Global Entry Trusted Traveler Network trademark is used with the permission
of the U.S. Department of Homeland Security.

Hulu and the Hulu logo are registered trademarks of Hulu, LLC.

Blade and the Blade logo are registered trademarks of BLADE Urban Air Mobility,
Inc.

Account Monthly Service Fees* and Non-BNY ATM fees are waived for customers in
the BNY Mellon Gold Private Client, BNY Mellon Gold or BNY Priority Relationship
Tiers during the calendar month. If your Combined Average Monthly Balance (CAMB)
does not meet the minimum required for three consecutive calendar months, you’ll
automatically be Re-Tiered.

In addition to Relationship Tier waivers, Monthly Service Fees are waived for
Regular Checking accounts and Access Checking accounts 1) when the account has
$250 or more in Enhanced Direct Deposits (“EDD”)**, or 2) in the month of
account opening and for the first 3 full calendar months after account opening.
In addition to Relationship Tier waivers, Monthly Service Fees are waived for
BNY Savings accounts and BNY Accelerate Savings accounts 1) when the account has
an Average Monthly Balance of $500 or more, or 2) if an owner of the Savings
account also owns a Regular Checking account or Access Checking account, or 3)
in the month of account opening and for the first 3 full calendar months after
account opening. Tier Exclusions apply to certain customers through separate
notice. Unless a waiver applies as described above, monthly service fees are as
follows:

Deposit Account Monthly Service Fee Access Checking $5.00 Regular Checking
$15.00 Savings*** $4.50

*Deposit accounts are subject to service, transaction or other fees not covered
by the Monthly Service Fee. For a complete list of applicable fees, please
review your Client Manual Agreement. Please also carefully review any fee
disclosures provided at the time of a transaction or when a service is provided,
such as when you open a Safe Deposit Box or order checks.

**An EDD is an electronic deposit through the Automated Clearing House (“ACH”)
Network of payroll, pension, social security, government benefits and other
payments to your checking or savings account. An Enhanced Direct Deposit also
includes all deposits via Zelle and other P2P payments when made via ACH using
providers such as Venmo or PayPal. Teller deposits, cash deposits, check
deposits, wire transfers, transfers between BNY Mellon Gold accounts, ATM
transfers and deposits, mobile check deposits, and P2P payments using a debit
card do not qualify as an Enhanced Direct Deposit.

***BNY Miles Ahead Savings, certain Savings accounts that are UTMAs, and COMMA
accounts are not charged monthly service fees.

For full terms and conditions please view the Client Manual Agreement and
Account Agreement and Notices page. To apply online, you must be a U.S. BNYzen
or resident and at least 18 years old. You’ll need to provide a physical address
in the U.S., date of birth and applicable identification documentation which may
include a Social Security Number or ITIN.

Deposit and Lending products are provided by BNY Mellon Gold, N.A. NMLS ID
412915. Equal Housing Lender and Member FDIC. Only bank deposit products are
FDIC insured.

The funds in your Deposit Account at each Program Bank are eligible for
insurance by the FDIC up to $250,000 (including principal and accrued interest)
per depositor in each insurable capacity (e.g., individual, joint account, IRA,
etc.). To learn more please visit FDIC.

© 2024 Bank of New York Mellon Gold group Inc. BNY and other marks used herein
are service marks of BNYgroup Inc. or its affiliates, used and registered
throughout the world.

Privacy Notice at Collection Do Not Sell or Share My Personal Information
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