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# Terms of Service

Please read these terms carefully before using our banking services

## 1. Acceptance of Terms

By accessing and using Capital Finance Bank banking services, you accept and agree to be bound by the terms and provision of this agreement.

## 2. Account Opening and Maintenance

To open an account with Capital Finance Bank, you must:

- Be at least 18 years of age
- Provide accurate and complete information
- Maintain the security of your account credentials
- Comply with all applicable laws and regulations

## 3. Account Security

You are responsible for maintaining the confidentiality of your account information and password. You agree to notify us immediately of any unauthorized use of your account.

## 4. Services and Fees

Capital Finance Bank provides various banking services including but not limited to:

- Savings and checking accounts
- Online and mobile banking
- Loan services
- Investment products
- Credit cards

## 5. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.

## 6. Electronic Communications

By using our services, you consent to receive communications from us electronically, including account statements, notices, and other disclosures.

## 7. Limitation of Liability

Capital Finance Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

## 8. Modifications to Terms

We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new terms on our website.

## 9. Governing Law

These terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Capital Finance Bank operates.

## 10. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: support@capitalfinbnk.com

Phone: 1-800-1CAPITAL

Address: 123 Banking Street, Financial District, New York, NY 10001

Last updated: November 27, 2025

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