TERMS AND CONDITIONS

Online Services Agreement Before accessing our online services, you must review and accept the terms and conditions outlined below. If you agree, please click the “I Accept” button to proceed. Selecting “Decline” will terminate the registration process. We recommend printing or saving a copy of these terms for your reference. 1. Definitions Account: Any account you access through our online services. Additional Security Details: Information you provide for identification purposes, including your security questions. Identity Details: Access codes or identifiers provided to you. Credentials: Your Account Number, Password, and PIN used to verify your identity when accessing online services. You/Your: The individual agreeing to these terms. 2. Using the Online Services a. These terms govern your use of our online services. They supplement your account terms; if a conflict arises, these terms will take precedence. b. For joint accounts, each account holder must have separate credentials to use the service. c. By registering, you consent to these terms and agree that we may contact you via email or our website. d. Follow the instructions provided to ensure your device and software are compatible with our services. e. Always log out after use and avoid leaving your device unattended. For your security, inactive sessions will require reauthentication. 3. Security Guidelines a. You must provide identity details during registration to access online services. b. Each login requires your Account Number, Password, and security question answer. c. You may change your credentials at any time following the on-screen instructions. d. For security reasons, we may require you to update your credentials periodically. e. Do not share or store your credentials. If you suspect unauthorized access, follow these steps: • Password: Update it immediately online. • Security Details: Contact us at [Support Email or Phone]. f. We may report suspected fraudulent activity to authorities and provide necessary information. g. We reserve the right to suspend access to your account if: • Unauthorized access is suspected. • Incorrect credentials are repeatedly entered. • Any misuse or violation of these terms occurs. h. For security, we may validate certain transactions, which could result in a delay of up to 24 hours. 4. Liability a. You are protected against online fraud and will be reimbursed for unauthorized transactions. b. You are responsible for all actions performed using your credentials unless fraud is involved. c. Liability ends once you notify us of any compromised credentials. d. We are not liable for errors, delays, or distortions in instructions unless fraud is the cause. 5. Changes to Terms We may update these terms at any time by notifying you via email or posting updates on our website. Ensure your contact details, especially your email address, are up to date to receive notifications. 6. General This service is available to individuals aged 18 or older. By clicking “I Accept,” you acknowledge that you have read and agreed to these terms.

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