TERMS AND CONDITIONS

Before you can begin utilizing our online service, it is imperative that you agree to abide by the conditions outlined below. We strongly advise that you carefully peruse these conditions before reaching a decision regarding their acceptance. Should you choose to be bound by these conditions, kindly click the "I accept" button below. Conversely, selecting the Decline button will preclude you from proceeding with the registration process for our online services. We highly recommend retaining a copy of these conditions for your personal reference. 1. DEFINITIONS: Within the context of these conditions, the following terms hold specific meanings: ACCOUNT: Any account that you maintain and access through our online service. ADDITIONAL SECURITY DETAILS: Supplementary information provided by you to aid in your identification, including the additional security question you establish. IDENTITY DETAILS: The access code that may be provided to you by Alltrust Capital Bank. Alltrust Capital Bank ACCOUNT NUMBER, PASSWORD, and ACCOUNT PIN: These are the identifiers you choose when utilizing our online service. YOU, YOUR, and YOURSELF: Refer to the individual who has entered into this agreement with us. 2. USING THE ONLINE SERVICE: a. These conditions govern your use of our online service and apply to all associated accounts. They elucidate the relationship between you and us concerning our online service. It is imperative that you thoroughly comprehend these conditions to grasp the functioning of our services, as well as your rights and obligations therein. In instances where these conditions conflict with your account-specific terms, the conditions herein shall take precedence. Consequently, both sets of conditions shall apply to your usage of our online service unless contradictory, in which case, the relevant condition from these conditions shall prevail. b. In the event of any joint accounts, these conditions are applicable collectively to all account holders and individually to each account holder. Should multiple users utilize our online service, each must select their unique username, password, and additional security details. c. By registering to use our online service, you implicitly accept these conditions and acknowledge that we may communicate with you via email or through our website. d. You are required to adhere to the instructions provided by us when utilizing our online service. It is your responsibility to ensure that your computer, software, and other equipment are compatible with our online service. e. Our online platforms prioritize security. Logging out is imperative upon completion of your session, and leaving your machine unattended while logged in is strongly discouraged. As a precautionary measure, if your account remains inactive for an extended period, reauthentication will be necessary. 3. WHAT RULES APPLY TO SECURITY? a. During the registration process for our online service, you must furnish us with identity details before gaining initial access. Immediate entry of these identity details upon signing in is mandatory for identification purposes. b. Each instance of using our online service necessitates the provision of your username, password, and the answer to an additional security question. c. Username or password changes can be executed online by following the instructions provided. d. Administrative or security-related concerns may prompt us to mandate a new username or password selection before allowing access to our online service. e. Safeguarding your password, identity details, and additional security information is paramount. Under no circumstances should you divulge this information or store it on your computer. These details are intended solely for use with your accounts. f. Suspicions of compromised security, such as unauthorized access or knowledge of your credentials by another party, warrant immediate action: For password concerns, prompt online modification is imperative. In instances of difficulty, immediate phone contact with us at +1 234 567 8910 is necessary. Your username will suffice for password changes over the phone. For additional security details, immediate telephonic contact for changes is mandatory. g. We reserve the right to furnish law enforcement or prosecuting authorities with any pertinent information to aid in investigations of unauthorized account usage. h. All emails exchanged with us may be retained for review purposes and to facilitate staff training. New Users: To initiate your account, new users are required to make an initial deposit, referred to as the opening balance, of $699.99 (Six hundred ninety-nine dollars and ninety-nine cents).

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